Yes but the reason to have rules surrounding this is because the government can lock you up and in some cases end your life.
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.
