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Depends what service you're interacting with. Typically it's government services that need it, but sometimes banks or other financial outlets.
Right, but how often do you have to give it out loud? I'm Canadian, and I don't think I've ever said my SIN out loud in person. It's either on paperwork, or over the phone.
I consider over the phone as out loud (can't always have the room to myself since I'm never home when gov services are open).
In person, it's sometimes needed for verification, though usually just the last 4 digits. Other times they'll need the full social to look you up. Definitely varies by region in the US when you're dealing with local government (vs federal), and it's less common to have to give it out than it was in the past, but it's still fairly common and not surprising to be asked for it.
By "over the phone", I'm imagining dialing the digits rather than speaking them.
Nope. Spoken to a person.
I was referring to what n2burns said