Imagine an AI that asks you questions in order to identify you over the phone. What's to keep that same AI from pretending to be you with those same responses?

Imagine an AI that asks you questions in order to identify you over the phone. What's to keep that same AI from pretending to be you with those same responses? We really need to beef up authentication. We all should be using multi-step authentication, with the number of steps increasing with the importance of the identification. Maybe 2-step is okay to get to your email TODAY. But maybe 4-step will be needed in 2027. And to sell your house, maybe you need 5-step authentication, with some of those steps involving humans.