This is an old person who would otherwise fall victim to a scammer, and all it takes a little bit of someones time every now and then. Suggesting we charge them $100 every time is ridiculous.
If you've only a handful of users doing this, the load's manageable. At scale, or for the ones who never learn, it eventually becomes a burden. Either you've got real costs to support or you need to incentivise learning on the part of clients. For a large cohort improved comms are net net a liability and risk with no upside.
This is an old person who would otherwise fall victim to a scammer, and all it takes a little bit of someones time every now and then. Suggesting we charge them $100 every time is ridiculous.