You’re not wrong but it’s going to take a long time for “that relative that is calling could be someone else” to be something that people actually think about. Simple to execute your solution but 99% of the people out there won’t even consider the possibility.

“HI we are chased bank and we sent you 40k please give us the codes to Amazon gift cards to pay it back” still works on the elderly. This trick is going to wreak havok among old people.