Bank or government use to call me about important stuff (when I messed up tax report, because of my mortgage, etc.), so not answering is not always a good idea.
And nobody use voice mail in EU, it seems to be an US thing.
And nobody use voice mail in EU, it seems to be an US thing.
Sure it is. Just because you get a call about an issue that turns out to be legit, doesn't mean you need to resolve that issue by answering the call.
I describe upthread what I've done when I've received calls or texts from my bank or credit card companies about issues.