> Of course, there are people, particularly older or vulnerable users, who are impacted by this as they might not be aware. It always fascinates me how poorly

> Of course, there are people, particularly older or vulnerable users, who are impacted by this as they might not be aware. It always fascinates me how poorly people understand the nature of scamming and confidence fraudsters. The banks could have every customer recite on video that they have heard and understood the message - many of them will still be vulnerable. Each small step along the pathway is only a little more wrong than the last - so by the time the guy on the phone says "and we need you to confirm this code with is" on the phone... yeah. The victim isn't really objective anymore. They are not considering this in isolation, but as part of a relationship the scammer has been building for hours if not days. It isn't that the messaging is pointless, but it simply cannot and will not protect people from their own fallibility. Honestly, it is a terribly hard problem - and I actively do not know the right way to manage it without simultaneously restricting access to peoples own resources