Comment by joe_the_user

My phone number is from a different area code than I currently live in and I know no one from that area anymore. I can filter out 80% of spam just by ignoring calls from that area.

I wind-up using the phone because so many organizations malevolently misfeature they websites - doing what you want to (pay basic bill or whatever) is hard but upselling and new features, those you can do instantly.