API telephony and all sorts of false calls?

Question

VoIP

I read in the news a whole bunch of reports about the use of VOIP to report mining, fraud and other not-so-nice things. Hence the question arose, in your opinion, what is the reason for this
* Technical problem of integrating the OKS-7 signaling system
* Durov effect
* Elusive Joe
* Something else.
How is it even possible to deal with this, for example, for a private user when the bank number is displayed on the phone?

Answer 1

I read in the news

Do not read marginalism.
Never heard.
On the topic - a question for deletion.
Don't be dumb. The bank will not ask for a PIN or CVV.

Answer 2

Bank - never calls the client.
Dot.