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> if you get a 2FA code over text or email that clearly has the line "we will never contact you for this code over phone or text"

I needed a cashier's check recently at $GIANT_US_BANK.

The teller initiated a 2FA handshake. The text said something like "never give this number to anyone, none of our representatives will ever ask you for it".

I figured scammers probably hadn't set up an entire bogus branch with yelp reviews going back years. I handed it over.

The check they issued cleared, from what I can tell.

If you think that's bad, try applying for a mortgage. It's 100% remote these days, with a mix of multiple communication channels, all bootstrapped with incoming phone calls, emails (and, if you're me, phone numbers from government licensing databases, followed by awkward call backs)



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