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imagine the headache if someone bought like 400 keys and crates, unboxed those items, sold them all for dirt cheap, and then the buyers of all the items quick sold them or used for tradeups and sold that item, etc. and then the original guy called up their bank and said "it wasnt me charge it back" now almost 1000 people's inventories would be affected.
what would happen if someone bought an item on steam marketplace for a tradeup, sold the tradeup item to buy a key and unboxed a knife, then the original dude called up his bank and said the charge was fraud? how pissed would that guy be if his knife just gets deleted because someone he doesnt even know chargebacked the funds used to get the item?
so steam puts a "pending" until the money actually goes through.
Edit: Seems like a necro thread. I did not necro it. But anyways I think my comment will be useful to those who are confused about it.