> For example, when I am a passenger in a car, I typically pause the conversation momentarily if the driver is trying to change lanes or exit the freeway. If I'm walking down the street with a friend, I might pause and stare at a clown instead of dumping a constant stream of audio into my friend's ear.
I think you've nailed it there. It's also about expectations. If you're driving and you suddenly stop speaking (because you need more attention on the road for whatever reason), you know your passengers will understand. But if you're speaking on the phone, you know it will appear weird, so you don't do it (at least not as much)