[fmbb]

Not all European countries. We phased the title and surname addressing out during the 70s here in Sweden: https://en.wikipedia.org/wiki/Du-reformen

Personally I get annoyed only if a sales person addresses me by first name. There is no other setting where I would prefer a stranger to address me using my full name, unless we’re in some context where there are dozens or hundreds of strangers so one can not expect my name is unique.