D., a carpenter and Etsy seller of several years, recently sold a piece of custom, made-to-order furniture for around $150. The sale itself was business as usual for their shop — but it came with a sense of exasperation. Their earnings would be tied up for weeks while bills, rent, and expenses pile up.
Since late June, Etsy has had D.’s account under restrictive settings, putting a hold on the bulk of money that’s coming in as customers place orders. In D.’s case, 75 percent of…