What if someone tells me to hangup the phone while I'm driving and then cuts off the conversation, only to learn later on that I have my headphones on or had my phone hooked up to my stereo and was talking to them, hands free? Then what?

Because I do that a lot you know. Why buy the headphones (bluetooth or otherwise) if you're not going to use them. Plus, my stereo has an input jack, so I hook my phone up to it, which plays the other person through my car speakers, while the mic on my phone is able to pick up my voice very clearly I'm told.
If you can have a conversation AND drive effectively-kudos to you, you are a better driver than me.

Next time you are driving and you see someone who is talking AND driving recklessly-then you will see who I was talking about. I see it a lot.