Bank's Terms and Conditions are not in your favour

It's been almost a year since my armed ******* incident and Capitec still refuses to reimburse my losses which amounts to over R100 000.00 and Ombudsman for Banking agrees with Capitec Bank. Their (Capitec Bank) response is that their terms and conditions clearly states that you should not give anyone access to your banking app or reveal your pin code, to which I agree 100% in normal day to day usage, but when you and your partner are held at gunpoint, beaten up and thrown to the ground with about 8 people throwing punches and kicks from all sides, how are you supposed to protect your information? Being forced to reveal your pin code under duress, having your app biometrics code accessed whilst held down on the floor and your hand stood on so your fingerprints can be read on the phone, then your photo recognition picture updated to verify it's you yet clearly shows how ruffled up your clothes are and a slight capture of the ******s head in the same picture is not sufficient to prove that you did not willingly give anyone access to your banking app. So in other words, Capitec Bank feels that your life is less valued than your money in your bank account, so you should rather be shot and killed than for them to have to deal with your account being accessed ********ly. Furthermore why were there no 'red flags' of irregular transactions taking place as this happened on a Sunday afternoon around 2pm..how does multiple ATM withdrawals at max limits take place, multiple card swipes of between R3000 to R5000 each, totally over R40 000, multiple R1000 airtime vouchers purchased totalling R6000 and account transfer limits increased to max, 2 new beneficiaries created where one gets R20 000, then another R52 000 and R120 000 transferred with immediate payment methods... Bringing an account down to R43 as a balance and the bank feels that there was absolutely nothing suspicious about such transactions. Yes, I could only notify the bank of the incident once I managed to get hold of a phone, and only after being released by the gang as they held us hostage at gunpoint for over 4 hours until such time that they completed the transactions and had access to the money. I would like to hear the response from each and every bank as this is surely not fair. It would be safer to keep your money at home then in a bank that has loopholes in their banking app where ********s can drain your account and make changes without any verification done whereby you are contacted to verify that you are indeed transacting.