I didn't mean the "chat with us now" engagements widgets; I meant, like, Google Hangouts, or Slack, or Twitch chat, or even an pre-Google-Docs Etherpad sidebar chat.
Though, honestly, I prefer the web-chat customer service for my bank/cellphone provider/etc. to calling them on the phone. I don't want to wait an hour on hold with my phone using up both battery and minutes; I want to just leave a window open on my computer and have it ding when they're ready.
Nope. Not once. And I've been using the web since Mosaic.
I see business web sites offering to chat with me all the time. I ignore them. If I want to chat, I'll let you know.
Apple's business-to-Messages thing works so well, I hope it puts the scammy webchat companies out of business.