I would add very briefly that we also, collectively, need to do a better job to prepare consumers to defend themselves, to educate consumers. You shouldn't be pressed to respond instantly. You should think carefully about why someone is asking you to respond or give your data instantly, and then think about other ways of going back to your bank or whomever to verify. Canadians need to protect themselves against fraud, and it behooves us to better prepare them to do so.
On March 10th, 2020. See this statement in context.