This new project from some of the folks who worked on the first 3 Elder Scrolls games looks great. It looks certain to be backed as well as it’s already at 99% on Kickstarter with a couple more weeks to go.
https://www.kickstarter.com/projects/oncelostgames/the-wayward-realms?ref=android_project_share
You’re right. They do take prepaid credit cards, so you might be able to find a way like that
They typically still have a monthly fee or other downsides, so I’d rather not. I’ll just hope the devs add some other funding methods before / when the first early access build comes out.