[raincom]

Etsy can pay 5% interest rate when they hold funds. As simple as that, which these companies don't want to do.

Companies and banks use the same nonsensical reason every time: 'whatever investigation they're doing, they don't want these sellers to flip out any more than necessary!' I don't give any benefit of doubt to any company or bank, unless they are audited by a third party not influenced by these companies.