Gen-X'er here.
I grew up learning to always politely answer the phone with "This is Weeboo, how can I help you?".
Now, the vast majority of calls I get, despite being on the FTC Do Not Call list, are from robocallers. The calls are then transferred to a live person or "closer" who tells me they want to consolidate debt, give me a lower interest rate on my credit card, or help catch the hackers on my computer. All crap.
The elderly have it worse. If you try to explain to them they are talking to a malicious stranger, they counter with "But the caller ID says 'Card Services'" or "But I keep telling them not to call back and they keep talking." In the worst case, the elderly victim gives money or bank information to the predator and gets looped into other scams. In the case of one of my relatives, he likely gave away over $66k to "Microsoft" to help catch hackers and "Capital One" because the person on the phone who said they were with Capital One, claimed payment needed to be sent to cover the past due amount almost bi-weekly.
We no longer have telephones. We are now using multi-media communication devices that keep us connected in ways that didn't exist 50 years ago.
Wireless carriers need to start letting subscribers use Whitelists and screening free of charge. If a call or text not in the local address list comes in, it goes to Voice Mail or maybe a text escrow or maybe the caller needs to type a one-time passcode for the call to be completed. I have a Call Filter service, but I have to pay Verizon for it, there is a finite amount of numbers I can add, and the spam calls still come through.
My point is viewing that portable handheld computer we need for day-to-day interaction, business interactions, and financial authentication as a simple telephone is horribly narrow-sighted. The days of blindly trusting a stranger on the other end of a communication chain is just no longer feasible or safe.