The solution is called a durable power of attorney and then moving significant assets to different financial institutions with e-statements. Or the heavyweight option is a living trust.

Mandatory identity verification or locking down software really have no bearing on this problem. Scammers leverage generic apps in the app stores just fine.

This problem most certainly is a part of the global turn towards fascism, which is ultimately based on frustrated people demanding easy answers and then empowering those who are able to give them easy answers by lying to them.