I have anxiety about talking over the phone, especially with people I don't know well personally. So as a result, my voice gets really high because I'm nervous, and lots of people think I sound like an old woman. I've been addressed as "ma'am" several times over the phone, and I've had people ask me to hand the phone to myself, because they're trying to call me and think I'm someone else, even members of my own family.
If certain (even necessary) tasks require the use of a phone, I will postpone them, perhaps indefinitely. (fx I still have yet to cancel or modify my American phone plan with a service provider that apparently only has functional tech support via phone and during American work hours) I will even prefer to make the drive down to the store rather than deal with issues over the phone.
If I
am willing to call someone for official reasons, I prefer to be in a room alone with the other caller on headphones. For whatever reason the idea of a third party being able to hear the call terrifies me--not because of surveillance concerns, but because of some sort of social cowardice disguised as courteousness. My off-brand Apple earbuds stopped working before I left the US (and I'm too lazy/cheap to find some new ones), so I even barely use Duolingo now with the speakers on unless the door is closed and I think my host family is out of the apartment.