Just to add to the other answers.  Ebay's policy of being careful when an account that hasn't had any sales for a long time, is reasonable. Their precaution is to cover cases where an inactive account has been hacked and is an added protection for the buyer.

If ebay are holding funds that means the buyer has paid and the goods must be posted. The hold on payment to the seller is only until they have established, or reestablished that they are legit.