Why can't I use a debit card to verify apple id?

I am an adult parent with 3 kids and trying to set up family sharing. The process requires that I use a credit card to verify my age, but I don't use credit cards (purposefully) so I entered my bank debit card. It says I can't use a debit card, it must be a credit card. That is ridiculous, a bank card should be better proof than a credit card, and many people I know do not use credit cards purposefully. So it isn't letting me approve and pay for my children's account purchases. There must be a way to do this without needing to use a credit card.