Ironically, you almost do. Last week I updated my S22 to Android 13, and one of the new features Samsung claims to have implemented[0] is to have Bixby pick the call for you, transcribe what the caller says, and display it on screen, giving you a choice to pick up the call, or type/select a reply that Bixby will then say to the caller. With spam call detection being an established feature for years already, the ingredients for your AI assistant are already there.

Now that I think of it, I might actually try this the next time a telemarketer calls.

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[0] - I haven't actually tested it, nor seen it in action - just saw it being mentioned when I reviewed "Tips" app after update.