Because it’s custodial non custodial wallets have no limits. Not your keys not your cheese

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I use hot wallet for purchases and cold for storage. Need non restraining hot wallet

Any custodial wallet you have to play by their rules.

There are plenty of non custodial hot wallets. Look up Phoenix for lighting or Exodus for on chain. Many other options available too.

Samourai wallet android

Blockstream Green iOS

For mobile hot wallets