Our family has had this sort of 2 factor authentication for years. The rule is that when/if something goes sideways, we have a secret pass-phrase that must be used for the other party to be taken seriously. It's something that we won't say, as a general rule, but would make sense as part of a regular conversation if you didn't know what you're listening to.
We did this when an elderly relative got scammed by the 'your son has been arrested' type of scam. It became obvious to us that we needed something to verify that the person contacting us was legitimately the person we thought it was.
It's not hard to do and it doesn't require technology. Just like disaster planning and home inventories; it's just that most people don't think about this kind of thing until it's too late.
We did this when an elderly relative got scammed by the 'your son has been arrested' type of scam. It became obvious to us that we needed something to verify that the person contacting us was legitimately the person we thought it was.
It's not hard to do and it doesn't require technology. Just like disaster planning and home inventories; it's just that most people don't think about this kind of thing until it's too late.