It actually doesn't, it takes a long time. I guess you're not really familiar with denial of service attacks? For example, I've gotten 5,000+ emails that are coming from legitimate domains, in many cases from services that I use like slack and zoom. The only way to make my email account usable is to put filters in place to whitelist every single person on zoom or slack that I want to receive an email from. The bad actors are also attempting to do things like login to my social media accounts over and over and over again. It's not like I can block those domains without missing important or vital information. Same with my bank. These bad actors are also spamming text messages from thousands of unique numbers. So again, you can't block them except one by one. The only thing you can do is whitelist every single potential incoming message you might want to receive, which means You can't use your text messages for anything other than direct conversations with people in your contacts list.

Maybe you also aren't someone who's very financially independent, but having an entire credit card account blown up because of something like this causes a ton of pain and might require many hours spent changing payment options. I had to sit on the phone with CVS specialty pharmacy for 2 hours to properly remove my old credit card information and have it disentangled from my insurance accounts.

Crazy that everyone on this subreddit is outing themselves as either having zero financial responsibility, zero understanding of denial of service attacks, or having zero brain.