> by then they've cloned your voice and left a message on your parents' answering machine that sounds like you begging for them to transfer money because you're in danger.

You don't need to clone someone's voice for that; that's a scam common enough that one of my parents almost fell for it. Cloning someone's voice might tick up the likelihood of success by some amount, but would the investment in the research-and-infrastructure (spinning up the machines to clone the voice, researching the person you're planning on scamming to find their relatives' phone numbers, etc) be worthwhile when you can just dial every phone number in the tri-state area and just try it with a panicked-sounding young woman's voice?