When I did phone sex, I considered myself to be the ultimate in safe sex, and told several of my clients so. They agreed with me, which is why they were on the phone with me in the first place.
The primary sex organ is the brain. Talking to me satisfied their brains, and their own hands took care of the physical. If they became regular clients, a certain affection developed in both of us, which took care of the emotional aspect of sex.
And yes, it is possible for a phone sex operator to have affection for her clients...especially when there's a "Lion at the Gate" like heather, who makes damned certain she only gets the nice guys.