Default Google Play high-risk error

I've got a US Gmail account that I've got linked to Google Play. I've just loaded it with $25 worth of Google Play credits via a gift card, but it won't let me download any paid apps saying that it's high risk. I've waifed the prescribed 30mins as indicated, tried logging out and logging in, restarting the phone, etc, no dice. High risk every time.

Now, I'm actually NOT from the US so I don't have a driver's license, US credit card or anything. Just a US Gmail account that I can't get verified. How do I fix this? Is my $25 stuck and unusable forever?