Getting paid

Why is it that when placing the listing, and choosing the option  "buyer pays immediately when purchasing" and it says, by choosing this option you will be paid within 4 days, that when that item sells eBay puts a hold on the funds for over a month? I believe this is misleading and actually disgusting. What do they need the interest they will earn for the month off my money??! Is it just a scam to get you to choose that?

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