I try to have the best of both worlds - my home is primarily run on a Zigbee network from a Raspberry Pi with a Conbee, which is then linked up to Homebridge which talks to HomeKit (being in the Apple ecosystem).
This means I get the creature comforts of a consumer home cloud service like Apple Home, but I get to call all the shots - controls are all local, and if I wanted to get my home off the cloud, I can without any reprocussions.
It’s surprisingly very reliable as well - I haven’t had a single minor hiccup for more than 12 months, and even then, the last one just required a reboot of the Pi.
Everyone needs to start the conversation with their loved ones as soon as they can to question anything that seems out of character. It doesn't matter if they sound like or look like them - if anyone is asking for money or sensitive information, question it no matter what.
I know a lot of folks may feel like that's an impossible task, especially with parents and older relatives, but it's possible - I just recently had a conversation with my parents, and I was bracing myself for it to be an uphill battle, but they were switched on and got it. You've gotta at least try.