You are very sleepy on the train at midnight, but someone next to you still talks loudly on the phone. What do you do?
I don't care. I could read or listen some music before they get quiet.
I will talk with them. If they don't lower their voice after that, I guess I can block my ears or go to sleep after they end their call, but I will feel very annoyed about it
I would ask them to hang up the phone, even if we have to fight.