When I switch off "Access to my location" it switches off "Wi-fi & Mobile network location" which is right I think.
When I activate "Access to my location" I get a pop-up message that says "Location consent: Allow Google's location service to collect anonymous location data. Some data may be stored on your device. Collection may occur when no apps are running." Then I can select agree or disagree. If i agree then "Wi-fi & Mobile network location" is activated. If I disagree then "Wi-fi & Mobile network location" is de-activated. (screenshot below)
Again, that is right I think.
So the question is, are you not getting this pop-up message? If not, do you have any apps installed that may block that message from being asked?