This is a big problem. But one problem which prevents implementing correct solution is that even very educated people (like ones posting comments here) cannot

This is a big problem. But one problem which prevents implementing correct solution is that even very educated people (like ones posting comments here) cannot classify 3 different “spam”: fraud/phising SMS/calls/emails, spam sms/calls/emails, and legitimate marketing and messages (like call from Grubhub delivery). Why do we need this? Because each of these classes of unwanted communication require a different solution. And all these network providers are just not capable or not willing to spend any effort to solve this problem. For example, T-Mobile is so bad that even a valid 2fa SMS messages are blocked. On the other hand, AT&T allows even so obvious scam goes thru.