While it must be frustrating for new or born again sellers I can see the other side of the coin. If a scammer makes a lot of money quick and can withdraw the funds straight away then the buyer doesn't lose out, ebay or Paypal does as they have to fund the refunds. Ultimately this means that honest sellers have to cover that expense and that will eventually lead to a fee increase.

Ebay make no secret of the up to 21 day hold, it rarely is 21 days, so anyone selling should build that into their business model and if they cannot afford to sell without funds being available straight away then perhaps they should list elsewhere. Note I said list, it is rare indeed to actually sell things on other auction sites.