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Steam can and will limit wallet funds to be used only for the account that owns them, meaning to send gifts your relative would have to use an external payment method such as credit/debit card.
They can try contacting support to see if they will lift the restriction....but if they say no then that is the final answer.
actually this relative is using their credit card
Because Steam offers the ability for developers to regionally price their games and as a result, some games are cheaper or more expensive in one region relative to another.