> Anyone will hopefully lend you a phone if you're in a pinch

I honestly wouldn't count on it, at least not where I'm from, not anymore anyways. IME, having been in that situation (and knowing the numbers I need to call) it's rare for someone to let a stranger use their personal device for something as mundane as a phone call due to risk of theft, scams, or other criminal behaviour, not just on the part of the person borrowing the phone, but the person on the other end being contacted from an unknown number. While the chances of something like that realistically happening are incredibly low, it's a surprisingly easy social engineering method that's got people wary of trusting others to handle effectively their entire life in one device. A lot of businesses don't even let customers make personal phone calls from their landline for the same reason.

Yeah with AI voice cloning I'd definitely be default suspicious now but at this stage I know close friends and relatives well enough to be able to ask one question to establish identity