A 21-day hold on my cash would have caused insurmountable inconvenience - at the very least!

How about the 'inconvenience' of a buyer who is entitled to a refund but has to wait much longer if there is not enough in their Paypal account to cover the payment?

What about the inconvenience to Paypal who have to pay the refund out  if there are not enough funds in the seller's Paypal or bank account to cover it and they have to chase up payment?

In every case where the seller has complained to the Ombudsman their funds have been released so if anyone is in financial hardship then the inconvenience of a couple of minutes initiating the complaint must surely be well worth it.