14 day payment hold

I have asked ebay these questions below:
Can you explain why the time length is 14 days?
And what is the issue of paying the seller within 24hours after delivery? 
Aren't refunds  taken from the seller's bank account automatically ?
Don't understand why it takes 14 days after delivery for the buyer to be happy with their purchase. 
I always use ebay for postage labels and only post uk, but there is not always an update even with tracked postage. If the postage was updated like it should be it would not be so bad waiting for payment, but 14 days after delivery date, REALLY!!!!!
But the reply I keep getting back is that "I have received the correct information" !!!!
Does anybody know the asnwer to why 14 days after delivery?
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