"If you raised your limit and got scammed then..."
I think you have no idea what you talking about. If I set my limit to 0, or even 1k baht, deliberately, to avoid accidental charging by some services where I may've paid in the past.. In order to then to quickly raise it to, let's say, 2-3K baht, to make a quick payment for something, and then revert it, I'd have to undergo facial recognition? Fискing stupidity.
Apparently that would be less secure compared to as if I'd put my limit to 40k baht initially. No need to raise even further? Then it's secure! The limit of 40k baht is more secure than that of 2k baht.