If Etsy just up and decided to not pay you at all period what are you gonna do? Wallow in self pity? File a complaint to the BBB? No you're gonna take them to small claims or big claims court depending on the amount.
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.
