Im pretty sure Allison wasnt aware of Lily listening while being on the phone. When they meet in the beginning she always waits until Lily is busy or sends Lily away to not trouble her with their problems.Personally my problem with Allison starts at the beginning of the game, I can understand her anger and resentment but getting her daughter involved by insulting the MC in front of her is a big no no for me
I feel like this is kinda obvious, im sure she wouldnt use words like that at all (son of a bitch) in front of Lily even when its not about Jake.