These are big issues, but I would say that a bigger issue is the case where a spam caller has you on the line talking for ~10 seconds and then calls the bank or

These are big issues, but I would say that a bigger issue is the case where a spam caller has you on the line talking for ~10 seconds and then calls the bank or family member as you. Android and iOS should support real time voice changers as the norm with a quick switch button on the dialer to disable it and an option to have it off for known contacts.