[FabHK]

F and S sound similar over the phone, at least on POTS landlines, as they don't carry the higher frequencies (> 4 kHz) that distinguish the S from the F. Note that cat names tend to have S sounds.

POTS = Plain old telephony service is restricted to a narrow frequency range of 300–3,300 Hz, called the voiceband, which is much less than the human hearing range of 20–20,000 Hz [from https://en.wikipedia.org/wiki/Plain_old_telephone_service ]

[jandrese]

Anybody who has to relay things like API or CD keys over a POTS line on a regular basis quickly learns the NATO phonetic alphabet.