Simple reason: irregular cashflows. For example, I have cash from ebay sales in my paypal account, but have needs for groceries, etc. now- do not have time to wait 48 hours for transfer to checking account. Despite being a powerseller on ebay with years of selling, sometimes transfers from paypal to checking account take 72 hours, even longer over weekends. Just wish I could use paypal at more stores other than $General. Your real story should be why someone with a M.S. in Quantitative Finance and a CPA candidate is selling used junk on the internet! The answer is quite simple, though: Dodd Frank.
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