"Hey, I dropped my phone and wallet into the river when getting off the ferry, somebody was kind enough to borrow me a few quarters to make this call, please, I really need my Google password so I can log in at work and contact the bank and order new cards and a phone" – what would you do?

Sure, very often the story won't check out, people will be able to detect the fake AI voice etc., but that's always been ok for the scammers – as long as it works sometimes.

"we don't have any ferries here, be-gone imposter!"