It's to protect us from credit card fraud as I've explained in my email to you. Purchases done on credit cards can be charged back up to 60 days after purchase date.
It's not just a matter of if the card holder decides they don't like the product or not (not a valid reason to chargeback but as an example), if the credit card was stolen then the actual cardholder might not notice the charges until a month or two later!
If we allow quick cashouts, we'll also attract money launderers and credit card fraudsters which puts our entire business as risk. This is the way we're doing it. I'm thinking of possible allowing quicker cashouts for some merchants but everyone currently seems OK with how it's working.