I think people don’t say much anymore as it was brought up many times in the past. You also brought it up 2 days ago in this topic What can I do about customers that don’t confirm
You are only stating the negatives while ignoring the positive aspects of the 3 day hold system. I’d take it over sites like eBay or PayPal that give you funds immediately but allow chargebacks for half a year. I prefer a 3 day wait knowing that after that I never have to worry. I’m also happy to give them a % as they pay for ads to bring me customers, offer discount codes and credits that help sell my items, and offer protection against many sorts of fraud.
As a buyer there are tons of scammers out there in some sections. I stopped buying gift cards from anyone other than steam pumpkin after having so many issues.
One option would be to block buyers who do not rate quickly enough.