Not sure I buy the argument.

By that logic, Apple should only allow phone calls from callers they consider trusted, because any call originating from a non-trusted phone number may be a scam phone call, and someone may fall for it.

Do scam phone call exists? Yes. Do people fall for it? Yes. Does apple block all untrusted phone calls, with no opt-out, as a result of this? (AFAIK) No.

(I could also make the same or similar arguments for web pages, music, podcasts, books, movies, or even apps on their other OS and so on... but phone calls seemed the simplest one to present succinctly.)