FNB remains the most insecure and ************* bank

So I have been having this issue for a few years now, but more recently I brought it to their attention again (11 Apr) and was told someone will contact me within 24 to 48 hours, we get placated with reference numbers and promises on email and sms (I do not consider this as someone being in touch - is it BS), and nothing happens after that - they hope you will go away! The only answer I want is that NONE of my cards CAN be tapped without a pin, that is it! I do NOT understand what is the hold up, I DO NOT understand why I have to go to such great lengths to secure my funds, I do NOT understand why this option is not under my personal control from the app or internet banking and I do NOT undertand how the bank can make such a universal decision about the exposure of my trusted funds with them. I can not even turm off the option and I do not even get an sms notification when I spend anymore as apparently that is ****mable??!!!! Really???? That explnation is laughable!