Why can't I buy the 2.2 software upgrade without a credit card?

I don't understand why I need a credit card to buy the 2.2 software upgrade for the iPod touch. Can someone please explain why?

From the Terms of Sale from the Canadian iTunes Store:
http://www.apple.com/legal/itunes/ca/sales.html
+iTUNES CARDS+
+iTunes Cards are for transactions on the iTunes Store only. iTunes Cards may not be used for gifts, or purchases on the Apple Online Store or in Apple Retail Stores. iTunes Cards are non-refundable. iTunes Cards may not be used to purchase Gift Certificates, Monthly Allowances, Apps, or other iTunes Cards. iTunes Cards may not be used to purchase software, games, or apps.+
So, it is on the website. It's probably in the EULA you had to agree to. However, most people just click through.

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