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Steam is doing this to try to protect you and others from getting scammed.
Of course, if you try hard enough you can still get scammed, but to some people it's a useful change.
Not much different than almost 10 years ago.
I resent being forced by corporations to protect me for some reason. Give me a strong warning, give me a document on why this is good etc. Give me a default waiting period for the items to be posted, but let me change it if I want.
I could not sell it on steam, right? I had to go to my email and actually confirm it. So, it was a secondary authentication. And yet... they still have a waiting period, Why? Simple, now more people downloaded the app. Corporate numbers rejoice... And that is done by every corporation. It is now about helping the customer, it is about forcing them into behaviors they want you to do.
Steam gave people that choice in the past, and too many proved that they can't be trusted to keep their account secure. The avalanche of support tickets from those people affects all users as it keeps Valve from taking care of actual problems other users are having.
Also, you can put the app on any compatible device, not just your current phone. I currently have it installed on an old phone, only using WiFi, that never leaves the house. Previously I had it on a tablet because I originally didn't even have a smart phone to install it on (only an old flip phone that could receive text messages).
And for people like you that confirm through email, a surprising number of them not only got their Steam accounts hijacked, they also got the linked email hijacked as well. So attackers were trading/selling off people's inventories, confirming through email, and then quickly deleting those same emails hoping that the user didn't notice them.
Policies are designed for people. And while individuals may be knowledgeable and careful, people as a group aren't.
From this...
https://steamhost.cn/news/19618/
To this...
https://steamhost.cn/news/20631/