This issue is also described by a user in this post Anyone love their FP3? (= no issues) - #34 by Failquail
It was added in this list:
https://forum.fairphone.com/t/improving-the-software-of-fp3/54799/2
Personally, I have not had a problem with the current setting. Apart from it saying once that it detected a partial fingerprint, it does not lock me out.