“The easiest solution is to take ownership of the concept of going to some person you know and trust and run it by them. But that’s not foolproof.”
The problem is that the caller installs fear and urgency drivers into your brain. If anyone calls you and says “Don’t hang up”, hang up. If a window pops up unsolicited and says “Don’t close this window”, close that window. Be ungovernable.
Actually, your solution may be the best one. As one guy said about end times bible prophesy, if someone says they have figured it out, they have no idea what they are talking about.
i.e. the more “you have to do this NOW” you are hearing, the more likely it is a scam.
Correct answer.
Assume everybody is lying—and act accordingly!