Gosh, I was guilty on this account just an hour ago.
I just came back from a midday walk in my neighborhood. Headphones on, walking along, when I hear someone call out — I don't quite catch what. I turn around, and there's a neighbor with a kid (not my street, so I don't know her), but she's from my community. At first I thought she was teaching the toddler — maybe 2 years old — how to say hello. So I'm just standing there, nonplussed. She repeats the greeting. I'm still confused about whether she's talking to me or demonstrating for the kid. Finally, a little louder: "I was just saying hello" — except she used the greeting from our community. It finally clicks, I laugh, and say "oh yeah, same to you."
I probably would have handled it differently if I hadn't had headphones in, or if I'd been more present, or just more socially aware from my early days. Still thinking about it and then I saw this thread.