The world is going to become a much worse place over the next few years. I want to be an optimist, but it will take huge leaps in humanity's societal structures for AI not to be a net negative for the vast majority of people on this planet in the short term.
Maybe instead of freaking out and trying to restrict innovation, we should be working on insurance products to mitigate the financial risk of scams, and educational content to reduce their effectiveness. The fact that many scams are even possible in the first place stems from the absurd idea that "identity theft" is your fault [0], so maybe we could start there.
If my bank uses my voice as my password, or if my phone company is willing to present fraudulent caller ID telling me it really is my son calling to ask for money, then is the problem really the scammers, or is it the easily defraudable systems with no incentives to reduce abuse of their platforms?