The default is to only accept transfers from people that are in your address book.
My mobile telco's SIM comes with a couple of contacts on it like their customer support line. I don't know anything about AirDrop, but I assume this will work.
[1]: https://www.usenix.org/conference/usenixsecurity21/presentat...
This should make it clear that you can’t just claim any phone number or email address.