Exercising cognitive skills is, I believe, known to delay the onset of age-related cognitive decline, which is another excellent reason to avoid letting use of LLMs cause skill atrophy.

The optimistic prediction is that we eventually see a type of AI anti-virus but for scams and social engineering. Something that can filter incoming communications but also intervene in channels that are already open. There's probably good financial incentive to create a service like this since it would likely not only prevent outright fraud but could also help the user evaluate legitimate transactions so that they at least get an even break.