[davidy123]

User education, personal AI, responsible vendors will be part of the solution. Seamless and safe transactions are very much desirable, there is a whole world to build on once they're in place, so there is a lot of motivation to solve them, but the solution shouldn't come from a few vendors that have no real regard for the collective outside their customers.

[dalke]

So you think that selective disclosure isn't all that useful without all of the above?

Who will do the education? The banks? The schools? If the latter, what subjects will be removed from the curriculum?

Who will verify the AI is trained correctly? Who is liable of it is not? How will it be updated as new frauds are discovered?

Will the solution require everyone to buy new phones? How much more will be destroy the world?

[davidy123]

The same thing that did the education for people to learn a credit card or their smartphone, it's a mixture of banks, friends, work. It's a gradual thing, there's no need to remove curriculum.

I don't know what you're imagining as an alternative.