Then you go into an Internet cafe or borrow somebody's phone and do a video call to establish it really is you asking.

The countdown timer to when this can be convincingly deepfaked is ticking, but while a pre-recorded video is within realm of possibility (if the scammer can get access to video of the person, which is already hard), being able to fake a live conversation is still a ways off.

Also, I'd tell you to leave a backup card in a separate place from the rest of your belongings, but you've probably learned that the hard way already!