I once made a fruitless suggestion that financial emergiencies should be treated the same as all others, ie diall911/999. When the operator would answer you'd say I've got a financial emergency and you'd be redirected appropriately. Further, I suggested that one's account should be deemed protected from the moment one dialled 911. That way, no matter how plausible the scammer sounded , everyone wouold know that a simple foolproof course of action was available, dial 911.