Ok, like I already wrote lately about .tel for individuals, your statement about benoit and calls is really not a good example, I see it useless because I'm sure that you don't need to spend $300 for a .tel to make a call since you've got his phone in your iphone contact (also can have all other infos like web...)
But Chang is the right choice since you can add all your family contacts in it with a .tel
For REFINANCE.tel, it is valuable because companies (mortgage, bank....) could be interested like someone here wrote about an ad, ex: looking for refinance go to refinance.tel and call us now.
In my case, I have car wash.tel and as an example, I own a car wash company and they come to me mostly by word of mouth and my customers have difficulties to remember and provide my telephone and contact number to their friends (as refferal), now it's easy as 123, I will send card to my customers my contact infos is : car wash.tel , next time they have a friend that want their car to be clean, they will spread the word car wash.tel, also can have Contact for Reservation, Office,.... Map.... SEE how .tel is powerful.