In general, it's easy to answer this...
If they do not flush your withdrawal, it will stay there for a day or 2 then only gets to them for processing. At the day or 2 you can reverse it, which most people do.
The reason why he says it's fees is higher is because if he flushed it and they process it immediately, they will have a cost there and at the mean time, a lot of people actually do redeposit some money again which is another cost to them. Thus the reason why he said the fees are higher. That's the general idea of the entire concept.
You win some, you lose some... nobody can win it all.
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