My bank emailed me "AI is changing check fraud. Here's what you can do to protect yourself."

Nonono, Mr. Banky-bank. Tell me what YOU are doing to protect me against check fraud. This is a you problem, caused by a system you designed and run. How about you don't externalize that cost onto me?

I have, since the 1980s, DESPISED any excuse like "oh sorry we got a new computer system" or "we can't do X anymore because of the computer". How you do business isn't my fucking problem. Don't give me excuses for not having your shit together.

This is the same as "we are experiencing unexpectedly high call volume." Well, that's pretty fucking poor planning on your part, then, innit? Hold times aren't long because of the forces of nature, they are because you're too fucking cheap to pay sufficient staff.