Phone calls and email? So only senior citizens will be trusted? What about texts? Are calls and apps measured using only Apple apps? What if I used 3rd party apps for these functions?

I get very few phone calls, and half of them are spam calls that I don't answer (only answer calls from known numbers). I don't use Apple Mail. So I'm untrustworthy because my social configuration isn't typical?

My ipad isn't used for calls, messaging or email. Does that mean I can't use my ipad for purchases?

Have to have ID and credit history disclosed to get a phone in the first place. Isn't that enough? Is this only for non-phone devices?

This needs more in-depth reporting. What kind of fraud exactly?