You can purchase cards (iTunes, Walmart, etc) and load them up with cash to use to purchase tunes. You can even purchase a VISA card that isn't really a credit card since you pay for it upfront
(try AAA)...lots of folks do this when they travel so as to not have to carry/lose cash. It's an option, but it's legal and you won't be cheating the musicians out of any money. iTunes, BTW, has a bit of everything.

Michelle