Why do people answer the phone at all when it's not an actual person (family or friend)? There's no reason for a business to call you. My phone sends any call that's not from a number in my contacts straight to voicemail - if a voicemail even gets left that's not just someone hanging up, you can return the call to a number you know is real. The IRS deals almost exclusively by mail, banks have apps with account notifications. There's not many good reasons to answer unexpected calls from businesses.