Completely agree with your reasoning. However, there's a difference with how Balanced operates. The marketplace understands the credibility/reputation of the seller in a way that a merchant processor never could.

Balanced gives the marketplace the ability to control when the seller receives their money. The most important factor is trust and some form of buyer confirmation that fulfillment has happened to their satisfaction. It's the job of Balanced to push the money to the seller as fast as possible.