I've never encountered "baby" except from men with, er, that kind of attitude. "Honey" is a sort of generic term of endearment, like "love," and might be used by tea-ladies or busdrivers or, well, anyone except bosses or customers, really.

I don't think "love" is ever used that way in the states, except perhaps by extreme Anglophiles. The ubiquitous term waitresses use here in Baltimore is "hon." I've never heard "baby" used as a generic term of endearment by a white person; it's mostly used by African-American ladies old enough to be my mother.