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What they do (or should) affect are trades in where items leave your inventory; or putting items up for sale on Market. To avoid holds in these scenarios, you need to have had the Steam Mobile Authenticator enabled for 7 days, if you don't want the holds to be there.
Yeah, that seems to be broken at the moment.
I didn't particularly want to advertise it though,
http://steamcommunity.com/discussions/forum/1/364040961438069172/
I just wanted to play some poker, jesus, lol.
Edit: They should have you use the authenticator for buying items from the market and restrict selling just bought or traded items for 7 days.
Here's to compare,