When I was 20, my bank has a daily limit on what I can spend out of my own account electronically because of reasons that I was told were related to account pro

When I was 20, my bank has a daily limit on what I can spend out of my own account electronically because of reasons that I was told were related to account protection. I do not trust cash transfer apps at all and will never link them to my identity. I like to keep a small target surface. Why should I not be able to spend my own money how I feel? It's mine.