I don't think I have had to have an order for a digital product manually reviewed in over a decade and I make hundreds of purchases of this type per year (17 Paypal orders in the last two weeks alone). The buyer expectation for digital products is immediate delivery.
Are all of those digital content delivery or product postage?
I too buy things online frequently and there most certainly is a built-in delay between purchase and product dispatch notification ....usually a few days.
Impulse buying is not always impulse receipt.
Companies and/or lending institutions who care appropriately about Internet fraud, etc are quite right to put a hold on things from time to time if there is an impression of an issue.
In your case it could even be the frequency that you have been making purchases has set off a bell somewhere.
It's YOUR money...and YOUR security that is precipitating YOUR necessity to wait.
Unfortunately it DOES happen.
Then you get a phonecall from your bank asking did you just make a purchase of $1050 in a shop in Canada...to which you reply...no, I live in Melbourne and my arms don't reach that far. [happened to me last year...then came ALL THE FUN of a new credit card, etc]...
Fraud Prevention isn't an 'excuse' it's a REASON.
Equipment Failure isn't an excuse it's plainly apparent and real [when it happens].
Being on vacation as a cause of a delay is called 'real life'. The NOW GENERATION needs to think more like the-little-bit-later-generation.
BTW....with Paypal I receive on average [privately] about 1 a week to 1 a month of 'Paypal' scam emails. At that rate there WILL BE some taken in by them thus rendering Paypal less than 'ideal'...