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Second, Valve has to make sure that the money/wallet credit is coming from a legitimate source.
If the money/wallet credit is discovered to come from a stolen source ( aka a stolen bank/credit card or a highjacked account), that can cause all kinds of issues. Both for you and for Valve.
Third, never expect to have wallet credit from marketplace sales right away.
Use them as a way to support your real payment method. Dont rely on it as your primary payment method.
Your rage is unwarranted. It's not something be done to you personally. And your ignorance about a system you're using is a problem you can solve.
It's not your money until all the transaction processes complete.
These kinda complaints make it seem like a lot of people have never had a nank account, or used it enough to see thst transactions aren't always instantaneous.
If you find the delay in market funds a problem, plan ahead. Or use your big boy money.
I can remember a time before Steam.
Things change. Things evolve. New stuff brings new problems, which results in steps to address those problems. You might as well get mad the Sun is too bright.
Times change, you either adapt or get left behind.