Yes but the reason to have rules surrounding this is because the government can lock you up and in some cases end your life.
If Etsy steals actually steals money from you sue them into oblivion but not disbursing money until the check clears is not some evil thing. The fact that they're willing to take the risk for sellers with good reputation is a kindness not a given. If you're more sure than Etsy is about not getting a chargeback then put it on your standby line of credit and pay it back when the money comes.
"If your revenue stream is unfairly disrupted, just sue the major corporation with your backup pile of cash, switch over to your backup line of credit, and if all else fails, ask daddy for a small loan of a million bucks to see you through!"
If Etsy just up and decided to not pay you at all period what are you gonna do? Wallow in self pity? File a complaint to the BBB? No you're gonna take them to small claims or big claims court depending on the amount.
If Etsy goes from fronting you the cash and charging you back chargebacks to waiting until the transaction settles because they consider you risky then that's not stealing; and while it sucks they could decide to do it because fuck you or they could start doing to everyone. If you need the cash immediately you tap a line of credit for the first 45 days and then run your business on like normal.
I get that Etsy is makes running a business feel a little too easy so long as you always live on the happy path but dealing with clients/partners not paying on the timeframe sucks but is a totally normal think you have to prepare for.
Maybe a mutual aid and insurance organization for Etsy / other online marketplace? In which members pay in a little bit to a legal fund which is used to correct payment problems
If Etsy steals actually steals money from you sue them into oblivion but not disbursing money until the check clears is not some evil thing. The fact that they're willing to take the risk for sellers with good reputation is a kindness not a given. If you're more sure than Etsy is about not getting a chargeback then put it on your standby line of credit and pay it back when the money comes.