A couple of years ago someone associated my email with their bank account in Santander UK. I tried to get in touch with Santander but turned out that the only way to do so is to either make an international call (I don't live in UK) or send them a paper letter. I gave up and just routed these emails to separate folder.
I meticulously report every single of emails like this as spam. Every single one. If it _could_ be read as a phishing attempt, I report them as phishing.
"Wrong recipient" seems beyond the scope of what you can expect a spam filter to handle with accuracy. Wouldn't marking it as spam just degrade the signal to noise ratio of legitimate email? I'd rather get a few misses here and there than have to trawl through my spam folder which I only check once or twice a year when something doesn't show up right away.
Long before AI era I read an article about homilies exchange online forum in Poland. The priests spoke how they struggle to come up with a fresh content every week for Sunday masses. AI is not the source of the problem, it's just an attempt at a solution.
Like the article mentioned many EU countries have their own payment systems. The challenge is not to build something from the scratch but rather to make existing solutions interoperable. The first talks about cross-border integrations started many years ago but they went very slowly. However, some work is being done, just a week ago a first transfer was done from Spanish Bizum to Polish Blik.
TBH many European payment apps use the phone number as an ID and people seem to love it. I share the privacy concerns but if I don't want someone to know my phone number I just give them my IBAN.
In Poland all transactions related to housing or land must be notarized with both buyer and seller present, the notary is supposed to check their IDs. Sadly it happened a couple of times that scammers presented a fake or stolen ID to a notary who did not recognize the forgery. Nowadays you can mark your personal number (equivalent of SSN) in the central, governmental database as restricted. This prevents notarized transactions, bank loans or issuing SIM card duplicates in your name. When you need a loan or buy a property you just log in to the system (or open the governmental app) and uncheck the checkbox.
Animals on tracks remain a problem, although they do not pose risk to human life (just damages to the trains). One of the attempts to protect animals include acoustic deterrents, here's a Polish one as an example [1] but they are manufactured around the world. The Polish one plays sounds of predators, dying creatures, hunting dogs, etc to scare away forest animals (search for "UOZ-1" on youtube if you want to hear the sounds). Such devices significantly lower the number of collisions but unfortunately they are not 100% effective.
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