> Who knows what hell can be unleashed on one's emotions nowadays with AI

This is key. I would "never" fall for a scam like this. But who knows for sure? I would also never cheat on my partner, but can I say with 100% certainty that some insane situation can't possibly ever come up where my many layered defenses are compromised? Can some sufficiently charismatic individual deliver a perfect AI script to me based on info from 5 other breaches, in my brother's voice, to make me give up a 2fa token in an emergency? Maybe! So just never answer the phone, ever