I don't know if this is true, but this game is rating teen, so that might restrict it in some ways. Because it is rated teen, they may not be able to allow people to chat automatically with randoms. I get that you can do it in fireteam and team chat, buy you have to actively set that up. They might not be able to have it automatically there, because of the ratings. Again, I'm not sure, this is just what I think
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Thats a good point, I never thought about that but I doubt its a factor because anyone can message anyone by text so, not much different.