The key take-away, for me, is that I should "keep my guard up" on any video call about money or other important matters, even if other participants on the call

The key take-away, for me, is that I should "keep my guard up" on any video call about money or other important matters, even if other participants on the call are colleagues, friends, or relatives. There are no guarantees of authenticity anymore. My new motto for video calls is "trust by verify."