eBays Shipping Calculator Screwed Me

 

They (paypal says ebay, ebay says paypal) are holding my funds for 21 days based on my seller performance rating - all good except high shipping costs reported on survey. Ironically I used ebay's shipping calculator. No one cares. Even local items picked up and good feedback left right away, funds are held. 
Also this a.m. I went to sell a new item and ebay now needs a valid "payment method for buyer protection plan" wtf? they already have my money in paypal! how much longer than 21 days am I liable?

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