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https://help.steampowered.com/en/faqs/view/61F0-72B7-9A18-C70B#withdrawfunds
There is no issue, aside from you not quite understanding wallet funds aren't money. Money-like, but until you can buy a Big Mac directly with Steam Wallets funds the point stands. Debate it if you want, you should read all the rules and policies governing wallets funds first though.
And you might think the terms are BS, well it's not like Valve invented store credit or giftcards.
....and refunds
How can I reverse or cancel a completed Community Market transaction and/or get a refund?
All purchases are final – you will not have any right to a refund or a reversal of any Community Market transaction once it is completed.
https://help.steampowered.com/en/faqs/view/61F0-72B7-9A18-C70B#refund
Diablo 3 tried it briefly. There were. . . issues.