I'm not putting serious money in interactive brkers

I like the fractional shares with as little as 1 dollar but absolutely hate the "no margin call" rule. They will just liquidate you even if you have money on hold to be deposited. Which leads to the other thing I hate: That 5 business day hold of your money!!!! What the heck?

I need instant deposit if I'm going to make serious money and margin call cushion. I don't care how low their rates are. It does me no good if I'm always afraid of using it!!