Are they? Presumably if there is a dispute they will just remove the money from the creator.
Yes, But they would incur an additional service charge for that dispute. That’s the worst part about being a merchant. Someone buys a digital product from you, then they file a chargeback. You are then down the original charge plus a fee that can be as much as $25 or more.
If they pay out money to creators in a reasonable time, then a fraudulent "creator" (accounts created with fake/stolen identities and tipped with stolen cards) will withdraw anything ASAP and there won't be anything to remove/recover; and if they want to protect from that, then they have to do invasive verification and/or freeze any income for a quite long time.
They can just do KYC for people who withdraw money from the platform.