It's funny how members get so funny about this. Personally I don't answer my phone in my room, I don't even like checking texts, but seeing as most members come into a model's room when she's chatting, dancing, teasing/trying to interact with people and they don't ever tip a cent or even bother to say hi it's amazing that a model answering her phone is like "Oh my god! That is so rude! How dare she?!"
If I were out with a friend even one on one and I got a phone call, depending on who it was I'd probably pick it up. I wouldn't spend ages on the phone as that'd be rude (though I know some people who do this), but picking it up and having a quick conversation about something wouldn't be the end of the world. And if I were in a group of people then yes I'd potentially have a longer phone call with someone. Maybe in the group or maybe I'd step outside.
Working on cam.... mmmm I wouldn't really say it's rude, I mean it's like people getting outraged at the idea of a model taking a private show or going for a bathroom break. I'd say it's nice in a way that she's allowing you guys to hear her side of the conversation and is staying on cam rather than dropping out of chat immediately for the phone. If she totally ignores everyone all the time or was in the middle of a paid show, then yes that'd be rude, but otherwise? I don't really see where it's rude. She doesn't owe everyone entertainment unless you've already tipped for it. If you don't want to see it then just head somewhere else, have a coffee break.
On her side of things I'd say it's not a good idea to take phonecalls on cam, seeing as you should be working and earning. That's your business though. I don't think if models do this they should expect to get tokens, but if members aren't even tipping her I hardly think it's rude of her to do that to them. Much more rude a member coming to a model's room where she's working her arse off and he doesn't even bother saying hello and simply freeloads, or worse makes a request/demand without tipping.