I'm not one of the people down-voting this, I'm inclined to sort of agree with you. Where you lost me was attaching files to an email. Are you really suggesting this solution has fewer problems than telephones?
It wouldn’t solve everything, but considering how many scammers rely on real-time urgency in their calls, shifting phone communication toward asynchronous messages could actually help. It would undercut that pressure tactic, and it would also make record-keeping much easier.