It's like a fail-safe option to make sure the call gets routed properly. So, it's not exactly 'press 0 for a live operator', but it does help in getting the call to the right place.
That's a good guess! The Default Route Number is actually used when the IVR Server is unable to contact the Universal Routing Server (URS), or when the URS is unable to find an agent number to which it can route the call.
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