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sorry just had to joke
Your money is not 'stolen' by any stretch of the imagination
if stolen is not an okay word for you then i will use fraud.
"Fraud is defined as an illegal criminal act that consists of the – alleged – purposeful misleading of a victim in a harmful fashion; the motives that may exist within a fraud charge may be facilitated by the intention of gain through deceit." this is (whether or not purposeful) a misleading of the person who added money in the steam wallet. They would not have gotten my 25 dollars if I had known that my market would be banned for ♥♥♥♥♥♥♥ 7 days. I would not be mad if they had done something like say "when you purchase any steam money with a gift card/new credit card. (the new credit card part i already knew about) you must verify the funds, or wait 7 days, if you have a gift card then you will have to wait 7 days as its impossible to verify the funds yourself." Something like that would be acceptable.
you said it yourself, it is a prepaid credit card, that you did not even bought yourself. it is also marked as a gift card and with that refunding this is in control of the seller. let me tell you that way, even when all the funds were still on the card, which they are not, you could be happy if you get an inhouse giftcard as the refund compensation, you will definately not get any money back.
You might want to stop using words you don't understand. Because you seem to not really understand these 'big' words you keep bandying about.
You're entirely free to purchase things on the Steam store
https://support.steampowered.com/kb_article.php?ref=1047-edfm-2932
Market and trading cooldowns are entirely separate things
Again stop using words you don't understand.
-You somehow expect a refund.
-You start overreacting and start swearing on the forums.
-You keep using words you don't understand and use them incorrectly.
You are most likely too young or too stupid (or both) to be purchasing anything on Steam alone or without a parent or guardian assisting you.
Except fraud would only be valid if they illegally misled you. That didn't happen. The rules relating to adding new funds to your Steam wallet are clearly laid out, and as a kicker you agreed to these rules. (That said, odds are you're like most people and didn't read the subscriber agreement before agreeing to it, but still. Not critisizing you on that point or anything, most people are like that but it's still binding even if you lie about having read it.)
And those rules aren't there for fun. They serve a very real purpose. Added funds may or may not be legitimate. They may be added using a stolen credit card, for example. Even a Steam gift card may have been bought with illegally obtained funds. Keep in mind that Steam (TF2 in specific) has already been used to launder money (taken from stolen credit cards).
Fraud would be people adding money using stolen cards. Fraud is not Valve taking steps to make sure that this doesn't happen.
The market hold exists as a period to allow time for the transation to clear through all channels and give time for a victim to issue a chargeback. It is significantly harder for Valve to deal with a chargeback when that money has been circulating through the market, the Store, and other trades.