@Kyrannio do not answer calls alleging to be from a financial institution. if you think it is real, look up their publicly posted number and call them back. iirc caller id spoofing is relatively trivial
there are a lot of forms of virtue-lack that seem to be anticorrelated with competence, though. i think there is a common (mis-)conception that there's alpha in ~evil, and a certain kind of person is prone to making some poor decisions out of the belief that such comprises a reasonably efficient market.
@anthrupad nod. adjacently: vulnerability of homogenous populations, antifragility, diversity and risk decorrelation, compartmentalization, functional redundancy implemented via different mechanisms
@anthrupad I speculate that above some base capability level, there is a lot of capability-uplift to be had by implementing sentience in some form, such that architectures eschewing such may be outcompeted.
"Alignment" smears together a very broad stretch of semantic real-estate. I suspect that folks frequently do not mean the same thing when they both use the term (worse issue in writing) - consider tabooing it and speaking in terms that more clearly articulate your intent.
@datingbyblaine seems like a fair way to evaluate such services for which personal insight is load-bearing - casually drop a zinger like that and see if interlocutor picks up on it