That's by design
If you can easily transfer such large sums out of your account, so can a scammer that has compromised your credentials or has "persuaded" you (e.g. with the proverbial $5 wrench) to initiate such a transfer. Sadly many regulations that appear nonsensical to an outsider have an historical reason in some horror story...
So – at least at the bank I work for – large outgoing amounts are flagged, and a second pair of eyes (i.e. usually the branch manager) has to manually authorize them after having checked with the client that everything is in order, because once the funds have left your bank there's little that can be done to reverse the transfer.
BTW when I paid for my current car the 30k euro transfer got through in ~30 minutes. I had already told my branch manager that I would be doing such a payment, and luckily the car dealer also had an account at my bank, so no clearing was needed.