[IshKebab]

Yeah, but scammers know how to talk people through simple toggles like that. Adding a 24 hours delay is a great way to ruin their scams because they obviously can't keep you on the phone for 24 hours. They have to say "I'll call back tomorrow" and then that gives a chance for people to stop and think or for other people to intervene.

Neither approach are going to be perfect of course, but I would expect the current system to be nearly useless and the 24h delay to be very effective, and it seems like a very minor inconvenience to most users.

(All of that is caveated on this not being the start of a slippery slope, which I wouldn't bet on.)