Picture this: You’re sipping your morning coffee, feeling pretty good about the world, when your phone buzzes. It’s an urgent text from “Your Bank,” claiming that unless you click a link immediately, you’ll be held legally responsible for a $4,000 purchase of exotic parrots in a timezone you can’t even pronounce. Your heart drops. You don’t even like parrots. You haven’t bought anything more exotic lately than a new brand of paper towels. Naturally, your…