@KNOWITALL Yes, I know, basically southern culture is just as you stated.
Up north, and parts of Florida, Miss is used in lieu of Ma’am. Miss Susan (name picked at random) is something completely different.
Think about it, you wouldn’t say Ma’am Susan, but you would say Miss Susan. Up north they would say Susan or Ms. Smith.
In the South and other parts of the Bible Belt, Ma’am is used when addressing someone when you don’t know her name. An example would be: “excuse me ma’am.”
You also probably use it when answering a question or following an order, even if you know her name, “yes ma’am.”
Miss is used when trying to get someone’s attention, “excuse me miss?”
In your example you would just say, “hi, how are you doing today?” It doesn’t need a ma’am. If you know my name then, “how are you doing today J?” I’m not Miss J, not in my mind.
You won’t hear the word Miss responding to a question or command. So, you won’t hear “yes miss,” like you do “yes ma’am.”
I think Miss is the default in the northeast, because Ma’am assumes the female is sexually actively. Like using woman instead lady. That’s the old reason I think, how it evolved.
Anyway, if you say ma’am, and the person “corrects” you, they are just letting you know ma’am makes them uncomfortable, they aren’t angry or anything. Just call them how they ask. If they say, “just call me Susan,” then respect the request and use Susan, not Miss Susan. If they ask not to be called ma’am, then don’t do it. That’s my advice anyway. I know it’s a difficult habit to break, I understand even with all good intentions a ma’am might slip out accidently you’re so accustomed to it.
Where I live now it’s a little bit of a mix. I hear ma’am sometimes, I hear miss sometimes, but I never hear Miss J.