I feel bad for pirating iPhone apps. What should I do?

Appstore only accepts credit cards and my mom has a debit card which appstore won't accept. One time I managed to talk my grandma into "lending" hers to me, but that tactic doesn't work anymore.

So, is there some way I can make a "fake" one that I can load with money and then use that one?

Or is there some website that I can send money to and make them pay? Because I feel really guilty from pirating apps since I really want to pay the developers for all their hard work.

If not, is it "okay" to download the app illegally because of this? Because right now I have all of my apps illegally. Should I continue with pirating them or what should I do?

I have also heard of gift cards, but I don't know where I can get one. Can you buy them at a supermarket or something?

Added (1). Well the nearest supermarket is over 10 kilometers away so I would need my mom to drive me. And you're right, I have never been outside except for school for years.

Added (2). And I think that Apple needs to consider alternative payment methods since this issue plays a big part in piracy of apps.

Have you been out in public anytime in the past 3 years? ITunes gift cards can be bought almost anywhere.

I would just go with itunes giftcards, thats a good option.