FNB app cardless withdrawal is a major security risk and it can't be disabled!

On my FNB app I have a feature for cardless withdrawals of up to R16000. I never asked for this and don't want it. I called FNB and they can’t disable it and only I can reduce or increase the limit! I don't understand how FNB can force everyone to have this without our consent considering we live in a country with crime through the roof! The only way to reduce the limit is via the app, but with a gun to my head I can just increase it again to R16000 and draw the money for someone when forced to!! I know of a few people who have been hijacked and forced to withdraw maximum cash! It is not acceptable that FNB has a feature with such a huge security risk on the app and we as the users have not control of it!!!