I already setup a secret passphrase with my family. My mother is particularly naive when it comes to what's online. Of course she is going to get abused.
A passphrase is cheap. If you never need to use it, so what?
A passphrase is cheap. If you never need to use it, so what?
These scams are imaginary. Yes they have probably happened but it's far more likely that your mother will get scammed by a "legitimate" financial advisor than some stranger using an AI to impersonate you.
And no need for AI. I already had family members getting scammed by facebook or mail impersonation.
But at some point, the capability for AI is going to get so cheap it will be mass-produced by bots from millions of identities like SMS or email scams.
It's not an "if". It's a "when".
I'd rather have my mother at least have the reflex to try to send me a message if I can't remember the passphrase to check if it's indeed me.
And if it doesn't, work, it doesn't. I'm not working for a 3 letters agency and my mum is an old tech illiterate lady. There is a limit.