Think of a business. Think of any phone call, incoming or outgoing, which is sufficiently standardized that you could teach any college graduate to execute that. That person can be replaced with a Twilio script, at a fraction of the cost.

My wife is sleeping in the room with my business notebooks so I'll hold off on finding and scanning it for the moment, but it was literally as simple as a) write down business, b) write down the calls they make, c) star the ones that sound like money.

I think bitcoin might be another technology that makes big "ripples", no?

We will have to agree to disagree on that one. Bitcoin's core innovation is the distributed self-organizing boiler room. As a transaction processing system it's technically innovative but wildly inferior to legacy payments for transactions which need to touch the real world. (It's interesting for transactions which don't, but could be replaced with a SQL update statement, which would improve upon it in virtually every way.) As a currency/commodity, the arguments in favor of it having a sustainable value north of zero are not credible to me. The main reason I have not nailed an 8,000 word stake in its rotten heart is that I think there's a non-zero risk that people will use every additional quantum of attention given to it as a reason to convince other people to "invest."

That being said, I just got a US phone number and I get at least 3-4 calls a week for the previous owner of my phone number. Those calls seem to be revolving around credit loans that she had.

To me it seems as if they try to remind her that she should pay those loans back. One could pretty easily build a really annoying twilio-based version of those phone calls...