But the usual security call is exactly like a spam call, no authentication from their end, immediately requesting id verification "answer these security questions", and refusing to go off script.

People have been asking for years to be able to lodge a security challenge code on their profile that can add confidence in the caller. Given there are already multiple security questions on an account, this could be a process change: the security challenge script becomes "the first and sixteenth characters of your mother's maiden name are 7 and F, what are the third and fifth characters of your first pets name".