Some delay is useful in catching scams. See [1]. But not much delay. 2 days is a useful compromise.

[1] https://en.wikipedia.org/wiki/Bangladesh_Bank_robbery

You have to catch them before settlement — that is the only logical and safe way. Any delay just lets the supposed holder mess about with stealing from one to pay another. If you act like every action is permanent, irrevocable… you conduct your life with care. It’s a radical deviation from the fun and games occurring today.

Not sure what the sentence means