Unless you combine that tactic with two-factor, the second factor being the cellphone. SMS on attempt to exceed limit, limit is waived if it's proven the person attempting to exceed the limit has the correct cellphone.

So you can withdraw without limit to either your confirmed-valid and locked address, or, to another address IF you have the second factor. Meaning lower SMS fees incurred for the lower-risk activity. Better still, let that 'lax behavior' be user-configurable.