OKay, lets assume it is. Why can't I be presented with my balance after logging in? Why do I need to navigate through three menus just to pay them.

Maybe they've fixed it. I havent used ebay in a long time. It became scam central a few years ago and theres no "dont take bids from people with less than 10 feedback" option. Half my shit was bought by someone with zero history who never bothered to contact me.