I don't want to leave that accusation in the air without following up on what happened.

A couple of days later, the lady I was speaking to at Apple told me she would take care of the situation. She sent me daily updates on the status of the money, got in communication with all the different sections at the Apple corp and resolved the issue.

Apple actually reprogrammed iTunesConnect to fix my issue (if you upgraded from personal account to business account in the past, you may have noticed the new "Vendor Selection" option). The guy who seemed in charge of this was sending me updates on a saturday as well as a sunday, so it seemed he was at the office at the weekend doing this.

So, I'd like to say that indeed, a lot of it was my fault, and Apple really came through in the end, and the level of personal service was truely extra-ordinary.

Thanks Apple! I'm happy to be selling apps on your store! And thanks HN for discussing the issue so I could see it a bit clearer!