I sorta get that reasoning, but is a 24 hour cooldown really going to stop scammers? They're already used to multi-day scams, so wouldn't they just say they'll call back in a day to finish the process?
Yup. The specific scam here is built upon preventing the victim from talking to trusted individuals. A cooldown breaks the spell.
Complex, multi-day pig butchering stuff is not what Google is going after here or would have any hope to defeat. But they can deal with banking malware.
