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Both parties in a trade must meet the requirement for trades not to have holds.
It's honestly leagues better to have time to react to theft as opposed to losing items instantly like how it used to be a good few years back.
But of course you can "hate" it. If you would like to lose your account to have a semi-legitimate reason to speak harshly about hackers/phishers/whatever later - of course ...
The fact that the new account signup wizard does not make setting up 2FA intuitive is the real flaw here? People should not be turning on steam guard just for trading, that's like only deciding to buy a lockable house after you already have had stuff stolen.