Good answers in here, but I’d like to add we aren’t aware of this happening for real yet. It’s been done at hacker conferences, and some unsubstantiated reports in the eastern US.
The fact that the FBI and FCC are saying something likely means they know of a way to do this, likely with some fake overlay like the old ATM skimmers.
ELI5: it’s like when your mom says you are going to poke your eye out with that BB gun. May never happen, but not bad advice to follow.
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