> but I think the community needs a better response

The community does not need to do that. Installing software on my device should not require identification to be uploaded to a third party beforehand.

We're getting into dystopian levels of compliance here because grandma and grandpa are incapable of detecting a scam. I sympathize, not everyone is in their peak mental state at all times, but this seems like a problem for the bank to solve, not Android.

These people would try to ban talking if the scams moved to in-person conversations. At some point individual responsibility has to come into play.