It depends on where you live. In my country I would never take a call from a bank at face value and would always expect they give me a phone number to call back, and that better be an institutional number. Phone fraud is rampant.
Ha, last winter I lost my phone while snowboarding in the last 300-500m before mountain base. I noticed because I was listening to music with my airpods when I got to the bottom the music had gone silent. Thankfully I had my Apple watch with me, so I immediately got off the board and start running uphill while incessantly spamming the "ping my phone" button. At some point I saw in the watch screen it briefly connected and then immediately disconnected again. I realized somebody had probably grabbed it and skied by me. I went back running to the chairlift while still spamming the button and finally found the person who had grabbed it, a few seconds before he got into the chairlift. I felt that day that the watch investment had been worth it hah.
This is great, except for the additional query each time a record is instantiated in the rails concern. That might cause some performance problems in high traffic.
Perhaps it’d be better to attempt the insertion and change the id only if there’s a colission detected with a uniqueness constraint