I used to get my eBay Payments the day after a sale. Now it takes an extra day and is screwing with me and bills and other payments are getting late because of it. Why did it change? Why is it taking as long as it does? Will we ever see a day again where payments are instant and is there a way we fight to get it back like that?

The holds? Those are another issue entirely but they could at least be much more timely with the payments they don't hold.