I am unable to fund Apple Cash without an active debit or credit card

Yes.

Do you have an issue or question regarding that?

click here ➜ Set up Apple Cash - Apple Support

You can of course get someone else to send you money and add it to your Apple Cash account.

Specifically, it is a Debit/Prepaid card, not a Credit Card.

Add money to Apple Cash - Apple Support

Give cash to a trusted friend, relative or coworker and ask them to Message you the cash.