The scamming problem is a fault of the government. It's trivial for a national government to make rules forcing banks to become able to reverse wrongful transactions. That'd stop scammers cold. If your government doesn't do this, and instead transfers the responsibility to the client, it's because the government doesn't care for the people.

Oh Please! Can't protect the users without forcing them to log on to Google and subject themselves to surveillance? That too even for the weather and the emergency alerts? Give me a break! And stop ruining the discussion with your misguided condescension and nationalist rhetoric.