I agree with everything you've said, and I feel really badly for how tech's dark patterns, crappy UX, and removal of humanity have treated the elderly.
Even non tech items like opening a bag of chips or box of crackers. I estimate that some packaging must require 40+ lbs to open. And I think of the "how it's made" show and how advanced manufacturing plants are. So they use all this tech to make a box of crackers as cheaply as possible, they have cameras fast enough to find and remove a single dark grain of rice in a torrential stream, but put zero thought into the UX experience and how the user can open the box.
It sounds like the simplest "tech fix" for this phone menu is once their account is found,
if (age > 60 )
sendToPerson ();
Furthermore, you could do "soft" account verification with their number. So if they call from a number that matches an elderly customer, just route it straight to a human, even though numbers can be spoofed it's not going to harm the customer to just assume it's them for that step only and fully verify their acct later.