That approach would remove a couple big wins: 1) the ability to sell Etsy-wide credit, e.g. gift certificates. 2) interest-earning cash in the bank (the days/

That approach would remove a couple big wins: 1) the ability to sell Etsy-wide credit, e.g. gift certificates. 2) interest-earning cash in the bank (the days/weeks between the sale and when the seller marks the item as shipped)