It's a sue happy world!
I personally hate to sit and listen to people talk on their phone! I'll start to talk really loud or get my kids laughing and making really obnoxious sounds to try to disrupt their conversation that is rudely interrupting my time with my family!
If I get a call on my phone, and if I'm in a place that is appropriate to to answer it, I will, if not then I won't! Isn't that what caller ID is for? And if I answer a call, I will take myself away from a crowded area to talk! It's called being polite!
Sometimes I wish I had a cellular jammer! I'd go around crowded areas and jam signals!