Opinion: I think we should keep the requirement that someone cannot return a shard to an ssb account unless it is "requested" in-band. We should have an ample warning saying the the shardholder. Have you rung your friend to check it is them?

This thought occured to me when I was checking out the corporate dark crystal

Here is what they do:

It gives you radio options and if you pick anything other than "Yes I have spoken with my friend on the Phone" then you are shown that warning. I think that's neat.