Absolutely agree! I only brought it up because it seems like, in our quest for efficiency, we are rapidly heading for a world where we try to delegate trust to outside entities (like tech companies, megabanks, or far-off government departments in Washington, D.C.) but, fundamentally, what makes financial transactions work (with anything other than physical currency), is actual real trust between parties. This is how the great banking houses of Europe began, it's how remittance networks still work in much of the global south, and its how the Jimmy Stewart-style small town bank once functioned. National banks with lots of local branches are an approximation of this, but the "branches" keep getting less and less bank-like: there is no "president" at the BoA branch inside Kroger, just somebody with a pulse who can technically pass a background check far enough to get bonded. Finally, many of the big banks are just closing these far-flung branches altogether. Bank of America &co. may get many advantages from their enormous scale, but they may be undermining their own foundations in the name of cost savings by trying to cheap out on "customer service" as if banking were just another kind of retailing and trust wasn't central to their entire business.

They probably know this and don't care because it won't happen this quarter or likely even this fiscal year, so it doesn't matter to anyone in charge. But it does matter to ordinary people trying to conduct their lives without being irreversibly de-personed by a flakey customer service bot.

My carrier has a similar “scam likely” feature but afaik that is not directly tied to stir/shaken. I’ve also signed up to have calls rejected and can see them in the carrier app.

I have reported at least a thousand different scam calls over the past two years and so my blocked number list is so large it freezes the phone for a minute or so while it loads. Still the scammers persist…