Anything that makes it more difficult for sellers to do a runner with ones cash is a good thing imo.
I got scammed some years ago for £30 ish quid. A seller opened an account and sold 60 thing for a similar price, then disappeared.
You might be honest, but there are plenty out there who aren’t.
and that’s before I go on about sellers being the ones who pay to sell on eBay and pay to receive funds via PayPal
Ebay is a business, they do it to make money.