Please don't misunderstand. I'm not trying to turn this into a nitpicking "legalista" thread. I did try to qualify the statement with the "For the most part" at the beginning of the sentence. A number of other exceptions were already mentioned and I agree that each is valid. Initially, I got the impression (perhaps wrongly so) that the OP was looking for a way for a HAM operator to routinely and readily communicate with a non-licensed individual via typical HAM radio modes. He then expanded his question to include GMRS. Perhaps he's open to other options such as Zello as he suggests that interstate communication might be desired.
Delivers1234, can you expand on what you're trying to accomplish?