+1. I would have just landed and called the FA after we exited the runway.

I did have a similar situation happen to me, but it wasnt short final. Around the FAF, on a clear day. We went around. I was so ****ed about the passenger not being able to follow the rules. I think, what you did at short final was a good call to land. Just not sure you should be answering the phone a couple hundred feet off the deck.