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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Text chats in mmo's are a breeding ground got trolls and idiots. It would be worse since the game has no monthly fee unless they stayed on top of it with moderators. All female player models would be subject to harassment.. I already saw evidence of this in the beta every time is went to the tower. Party chat, or muteable voice chat. No public tower text chat.