So shift the burden of calling to literally everyone who is acting well? Why would I want to remember a unique PIN for everyone I know?
Also, isn't that just taking the 9 digit phone number and turning it into a 12 digit?
Also, isn't that just taking the 9 digit phone number and turning it into a 12 digit?
Or the system could ask for information that someone who knows the recipient might know but a telemarketeer might not know, e.g. "What is the 2nd letter of my first name?"