As a sound engineer I find a lot of hearing aids have had major features removed. I'm always getting more and more people who have aids that have no induction loop ("T") setting. Some now come with bluetooth, good for your mobile phone but not easy to pair to a PA system, kiosk or POS.
I was born severely deaf, have worn hearing aids for my entire life, and found the induction loop kind of useful but not great with the old analog phones, back when anyone still had them. Otherwise, the loop was good for hearing funny buzzing sounds in certain locations. I have never in my life encountered anything else that employed them like what you describe. Now I just take out my hearing aids and use a good $40 pair of IEMs on my iPhone when I want to make a call, and that's a thousand times better than the induction loop ever was.
As far as Bluetooth goes, in my experience it sucks. I now use a pair of good $40 IEMs when making calls or listening to music on my iPhone or watching TV, and they sound great, a thousand times better than the induction loop ever did.
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