Tbf the bank thing is already a thing in a very limited capacity, but at some point the scammers figure out a bypass. The phone call thing is interesting but I wouldn't want an AI having all of my phone calls and it'll be hard to convince people to use it since everyone thinks they won't be scammed - better spend that time educating about scams instead. It'll also be much easier to bypass than the bank detection thing as a scammer can easily get access to the product.