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NEVER try to use marketplace items sales as a way to have store credit immediately.
Blame the stupid people that make steam have an excuse to add more security and the place will be more user friendly
There is no prompt for pending wallets encouraging you to deposit more. You are going to get those pending funds eventually granted there is nothing wrong with them. You just need to wait for them to clear.
You need to plan ahead from now on. Just always assume funds will be pending a few days from market sales.
In the real world stock market, those few seconds it takes to sell one stock to try and jump on another one could cost hundreds or even thousand of dollars if the price is rising fast. Even if you planned to just ride the wave and dump it quickly, your net profit could still take a hit. But those with the funds to jump in immediately get rewarded for planning ahead and being ready to go without a moments hesitation.
If you want 'instant' money then use actual money to pay for things. If you're going to use the Steam Market as your piggy bank, then you're going to have to accept that it is subject to its own internal security measures that you must adhere to. And if you're 'relying' on this to be availble 'right now' that's not going to happen. You can blame all the fraudsters and scammers for that. STeam isn't doing this to annoy you. Its doing it to protect you.