State Bank Of India [SBI] — AePS fraudulent withdrawal transaction from my SBI account

Unknown persons have made fraudulent withdrawal of Rs.9200 and Rs.10000 from my SBI account through AePS misusing my Aadhar number and biometrics without my knowledge on 20th and 21st December 2023. Raised cyber complaint and informed home branch. They said it cant be traced but I will get refund in 60 days. That too 75-80% chances of recovery. I appreciate Government's initiative of "Financial Inclusion" and enabling Aadhar based banking. But at the same time I request to look into lapses which give free hand to fraudsters. 1. Why banks allow CSP outlets operate even in areas where their branches are present?
2. Why cant AePS detect lifeless silicone rubber-made thumb biometrics used by fraudsters? (Pulsoximeters detect only alive thumb to check oxygen saturation levels)
3. Why mobile OTP is bypassed in AePS transactions which could otherwise alert the Consumer from fraudsters attempt to drain his account?
4. Why SBI CSP outlet code is not disclosed in transaction details?
5. Why should we wait 60days for our hard-earned money saved in your bank to be recovered, when you deduct so many SMS, ATM, Bank Statement etc charges instantaneously? It seems we dont have any control on our money when we deposit it in your Bank!! You can deduct officially and anyone can draw misusing our Aadhar-linked bank accounts without our knowledge!! WHY DIDNT I RECEIVE SMS FOR THESE FEAUDULENT TRANSACTIONS??? WHAT FOR YOU ARE TAKING SMS CHARGES THEN???

UIDAI, AePS, NCPI, STATE BANK OF INDIA ALL ARE EQUALLY RESPONSIBLE ALONGWITH THAT CSP OUTLET AND FRAUDSTER IN THIS.

Locking Biometrics( may not be possible to uninformed and illiterate citizens)and keeping less funds in the Bank are not the answers We victims expect from you.