I don't understand how texting chat isn't available in the tower. Leave it out of PVP, Raids, Strikes, Explore and everything else. BUT PUT IT IN THE TOWER! After all it's the "Social Hub". Not every button on the remote is utilized in the tower. So just make a button like Circle, or R2, or whatever to bring up a typing window. I can't imagine this being hard to add to the game. Have a chat window, and also "bubbles" over your characters head when you speak. This would make the tower a real social hub.
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It's amazing that some people actually want no text chat at all. As if by including it in the game everyone would be forced against their will to type. Bungie would be stupid not to include proximity and voice chat and give players no options to mute others (those options are already there actually). If you don't want to type or talk then don't type or talk. Don't say it shouldn't be an option to players simply because you don't want to use it even though it's something the vast majority is requesting.