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The 21 days is part of PayPal's TOS and you agree to it when you create an account with them. Most hobbyists use it because low-volume sellers without a business license find it difficult to get set up to accept credit cards.
You could ask for payment by USPS MO but sellers would have to trust you. Since I refuse to use PayPal that's how I pay - but I also research the heck out of sellers before even sending an inquiry about the critter up for sale so I don't get ripped off. Checks are another option but you would have to wait 10-14 business days for them to clear before shipping.
Alternatively there are services such as Chase QuickPay for sending money but there is no buyer protection so again, people would have to trust you.
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