Personally, I think that Ebay is, at least in part, motivated by the idea that some sellers who currently have private accounts will upgrade to properly registered business accounts.
The new payment terms coming in on 4th February will only apply to private sellers.
Any seller who makes or buys items to sell is trading and should have a fee-paying business account in any case.
"There are two ways to be fooled. One is to believe what isn't true; the other is to refuse to believe what is true.”
Søren Kierkegaard, Danish philosopher (1813 - 1855)