If Etsy steals actually steals money from you sue them into oblivion but not disbursing money until the check clears is not some evil thing. The fact that they're willing to take the risk for sellers with good reputation is a kindness not a given. If you're more sure than Etsy is about not getting a chargeback then put it on your standby line of credit and pay it back when the money comes.
If Etsy goes from fronting you the cash and charging you back chargebacks to waiting until the transaction settles because they consider you risky then that's not stealing; and while it sucks they could decide to do it because fuck you or they could start doing to everyone. If you need the cash immediately you tap a line of credit for the first 45 days and then run your business on like normal.
I get that Etsy is makes running a business feel a little too easy so long as you always live on the happy path but dealing with clients/partners not paying on the timeframe sucks but is a totally normal think you have to prepare for.
