Two comments come to mind.
Chaosmagnet: FCC rules do permit the use of ANY frequency in a life threatening situation. I totally understand your point about using emergency frequencies as I was once an EMS dispatcher. Not to mention, most public systems today are digital using APCO or Pro-voice and encryption. My suggestion is to preface the call with "Please hold the frequency for emergency traffic" or "Mayday,Mayday,Mayday. . ." and then proceed. (just a humble suggestion from a fellow ham as well.)
Cellphones: Granted, there are a lot of areas where they are ineffective for a variety of reason. IF one could afford it, keeping a satellite phone handy, would fix much of that especially if one is in sparsely populated areas.
K0WHH
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WesleyH