[4/4] Read more (in Estonian): peeterpaul.motskula.net/2025/12/20/m...

[3/4] Beyond the financial damage, the epidemic of scam calls also undermines Estonians’ trust in e-services and the e-state, and more broadly in our state as such. I hope I am wrong, but I do not dare to rule out the possibility that this is part of a broader PSYOP directed against us.

[2/4] Educating end users is not enough. Changes must be made at points where they affect tens and hundreds of thousands of people. And if making those changes is hindered by certain business or legal constraints, those constraints must be weighed against the damage prevented.