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Getting your account stolen, and having all your items traded away. That's why this 5 day delay is in place in case someone gets their account stolen so the hijacker can't trade away the items.
And no I don't think there is a way to bypass this delay.
Still, it's nice to know that Valve gives an even longer cooldown to protect against account theft than against bad credit cards. Unfortunately, password changes should theoretically be more common than payment method changes. I assume some people changed their password after Heartbleed, if they had the same one on affected sites, and I'm sure they would've appreciated a warning before losing trade for 5 days. That way, you could at least make all the transactions you had to before getting locked out.
Changing your password does not trigger the 5 day cooldown, requesting a reset does. There is a difference.
Most users that changed after heartbleed would have done it through the change password option, not through the "I forgot my password". Same with users who change their password on a timely manner for security reasons, they don't use the "I forgot my password" option.
This topic is almost one year old...
Quit forgetting your password. They don't know if you are being hijacked or not.