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Also, your Steam account isn't a business and shouldn't be treated as such.
A way to launder money will never happen.
It will never be possible to convert wallet funds back to real money.
2. Scammers want this feature the most because they can run with the money the moment you let them have access to your account, yes there some people that are not educated, let alone bright enough to understand what phishing is about. Steam does not want to take a risk of being a bank just like any other game store, hence the point of fruad, and money laundering.
3. If you're buying Steam gift cards, and asking how to take that money back out, then maybe it time for you to look into getting a credit card instead, or check what bank transfer is available at checkout as payment method so you know what to get into.
It would not be a scammer's paradise scenario because there would be strict requirements for withdrawals. For a withdrawal the destination (i.e. card holder name or bank account holder name etc) would need to be validated against the already verified information. So the scammer thing is not a good argument.
However this would mean a substantial shift of Steam's purpose (from gaming platform to something else) and that is why I believe it is unlikely to happen.