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.

> not answering is not always a good idea.

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.