An acquaintance on the board at Lloyds - London told us many years ago that..."everything is worth nothing".
Some time later I understood what he meant. Perhaps he is correct. In the material sense.
Some family members have installed phone call screening services on their land lines. Works really well.
But it costs. Phone banking seem to be assisting us with a few 'master caution' steps to tread through before you hit the send button.
That has to help. I now ask my wing girl to cross check the important stuff that could hurt us as we age.
I feel very sad for the person who lost in this thread. Growing old is not for the faint hearted.