I don't see this as a problem.
Despite that you can't receive any amount at your PHP wallet, you can still receive any amount of Bitcoin in your Bitcoin wallet. I have a cousin whose account is level 2 that can still receive any amount of bitcoin at his Bitcoin wallet. I am saying this because the limit applies only on your PHP wallet and not on your Bitcoin wallet.
May point ka naman po pero hindi mo naman na po yun macacashput since kapag level 2 ka kahit saan pa magmula yung cacashout mo, PHP or BTC man hindi ka na makakapagcashout. Kaya kailangan din po na level 3 ang account sa coins.ph.