IMPROVE EWALLET PIN RETRIEVAL TO NOT REQUIRE AIRTIME TO DO SO

I did a ewallet transaction 20/1/20. I checked with the recipient if he received the message to confirm. Unfortunately the recipient didn't have airtime so was unable to retrieve the pin. I spoke to the ewallet department at FNB where l was told that the only way to get the pin would mean that airtime needs to be loaded and that's the only way. The person didn't have money, therefore the ewallet so where was he supposed to get the money to buy the airtime? The fact that having to load airtime being the only way to get the pin is sly on FNB"s part. There should be a far better way of getting the pin, ie. the sender can receive an smsed pin to forward to the recipient. The banks just know how to ***** the clients, especially those with lower income and that sucks BIGTIME!