Phishing, Vishing, and Spam Urgency is the tell. Your bank will happily let you hang up and call the number on the back of the card. A vishing caller cannot afford to let you do that, so they will not.
Signal Chat Security Encryption protects the channel, not the membership. In a shared Signal room the real risk is who got in and how long their words stick around — and both of those are choices someone has to make on purpose.
Signal Messenger Settings Signal out of the box is good, not hardened. The gap is a short list of settings, starting with the one that stops someone porting your number and walking off with your account.