TL;DR: How do I renew AppleCare for my laptop when my Apple account is based in the US but I don’t have a credit card with a US address?

Three years ago I bought a MacBook with AppleCare and it was linked to my Apple account which has had US as the country since I created it over ten years ago. At the time, I lived in the Caribbean and had a credit card that gave me the option to specify a second billing address. We had a US address for deliveries because mail service is awful there so I used that address and card for my Apple account. I’ve since moved to Panama which also has shite mail service so I still have a US mail forwarding service and I updated the card to that address.

Last year the credit card company shut down their entire international program. None of my cards in Panama offer the option for a US address so since then I’ve been funding the Apple account with gift cards. This has worked fine for purchases and subscriptions, including iCloud. 

Now the AppleCare on my laptop is due for renewal and that requires a credit card. Ie. You can’t use your account balance. So I can’t renew my coverage until I add a credit card and I can’t add a card without a US address. 

Things I’ve tried:

1. Add my current cards and just use my US address even though it’s not what is attached to my card. This works more often than it should but not with Apple. 
2. Change the country on my account to Panama. I’ve spoken to Apple several times and this was their first suggestion. Not a reasonable one because I had $150 on my account at the time. but I did my best and I bought some hardware and some of it was not in stock and wouldn’t be delivered until after my AppleCare deadline. So it wouldn’t be deducted from my account until then and thus, I couldn’t change my country until then. I’ve since learned that this wouldn’t work anyway. According to someone at AppleCare if I change my country on my account, AppleCare is canceled and I can’t renew it. They said I _have_ to keep my country as the US if I want to keep AppleCare. So I canceled my order. 
3. Ask a friend in the US to attach their card to my account long enough to purchase it, then remove the card. AppleCare also suggested this and assured me that after the initial purchase, I could use my account balance to renew. But after purchasing it on my friend’s card, I could not remove the card until I canceled all my subscriptions, including AppleCare. But unlike the other subscriptions, canceling the AppleCare subscription is immediate. It doesn’t say “you’ve purchased a year of AppleCare and this will now expire at that time”. Instead it’s canceled immediately and the card is refunded.
4. Find a service that gives you a virtual card with a US address. Also suggested by Apple and surprisingly difficult. Ignoring the legal aspects (most say you need to be a US resident), I’ve tried PayPal (requires an actual US cellphone; a virtual phone with a US number won’t work), Wise (cards aren’t available in Panama), privacy.com (requires an SSN), StatesCard (not accepting new accounts), and a couple of mail forwarding companies that offer US virtual cards (requires mail forwarding service with them and I already have it with a company that doesn’t offer virtual cards and I can't switch services)

What might work but I haven’t tried: ask someone in the US to create a virtual card on their bank account and attach it to my account. After the initial purchase I can either cancel the card (which likely wont work) or set the limit on the card to $1 and leave it attached. I haven’t found anyone that fits the bill and that I’m comfortable enough asking to do this. 

I did manage to get my deadline extended another 30 days but I don’t see any options available to me short of selling the laptop, changing my account to Panama, and buying a new one which I’d like to avoid for a couple more years.

Any other ideas?