Bluetooth is great for many personal uses as you describe. Telecoils work in venues where you want to hear a play, a presentation, a meeting facilitator, at worship centers, etc. Hearing assistive technology that provides 'communication access' is installed in many places. In fact, the Americans with Disabilities Act requires hearing assistive technology if people request it. If they don't, it doesn't always happen.

If there is a hearing loop installed in a venue, all you have to do is turn the hearing aids to the telecoil mode and you'll hear very clearly. If there is FM or infrared technology available, the hearing aid user can use a neckloop that acts the same way a room loop does. You're inside the perimeter and you'll pick up the desired signal while blocking out all background noise.

Some areas of the country have been very proactive in advocating for communication access, Others have not. It depends on whether the people who use hearing aids in a particular area do some advocating and educating.

https://time2loopamerica.com/loop-locator/ You can find locations with loop installations at this link. Google maps is establishing a link that will let people know if there is an installed loop at a specific location.

Please ask your hearing aid provider about this. There's no excuse for them not explaining this and promoting it.

Are you willing to speak up? I hope so.