Another take: People are not getting scammed because of side-loading (or not knowing your demographics/biometrics). People are getting scammed because of ignorance & stupidity & lack of common sense. In a way, its just nature running its course. If I'm able to scam you successfully, don't you deserve it at that point? Doesn't matter what we do, if you are scammable, you will get scammed.

Have these companies sent out their people to old age homes to teach old people how to use their tech and how avoid scams? If you lock the system down at max level, scams will just move offline again or find another way. Same if they build backdoors into encryption or make chats data available to gov agents: all illicit comms will just move off the network or find another smarter way. Its just how nature works, we are seeing tech-evolution in realtime.