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Which is a self inflicted problem.
If you want to keep funds in the wallet you change the payment method.
Spoken like someone who doesn't use the Market, or have Wallet funds, very often.
Also like... defending something that is actively causing problems, particularly when the solution would require no change for anyone who doesn't want it, is really weird.
Still, it's a contradictory system: the Market encourages you to keep money in your Wallet to make sure you can afford your bids when they become available, but the Store encourages you to NOT keep money in your wallet because you don't want the annoyance of extra clicks.
I'm honestly surprised more people don't complain about it.
It changed years after the Market released. And bids would be canceled when you fall below the bid amount.