Your phone might not be listening to you straight out of the box. Might. You don’t know for sure, nobody here does. Why err on the side of blissful ignorance? And then you accept 10 end-user-agreements you don’t read, install dozens of apps you don’t read the small letters of… and you think nobody had been listened to?
It’s a bigger chance it happens than that it doesn’t, in my mind. I haven’t been able to catch it using mitm proxies, but I’m not the best at that, and I haven’t a pretty virgin iphone on purpose.