Part of this comes indeed from not trusting the banks -- like, I know the banks do irrational insecure things, and I also don't trust that if I don't do exactly

Part of this comes indeed from not trusting the banks -- like, I know the banks do irrational insecure things, and I also don't trust that if I don't do exactly what they say they will actually cover me in case of fraud (which we know does happen, a lot, now). Like, let's say I insisted on hanging up and calling the number on the back of my phone -- are there any cases that would be disastrous for me, would end up in me losing money, and I really should have stayed on the phone with the person who called me, who really was a non-fraudulent representative? I'm not confident there are not.