Yes, a text chat would be a big help in some instances. Like the tower.
I would like it. For players that abuse it, a mute, or blacklist. You will never hear from them again.
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Maybe have text chat available only in the Tower.
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That could work too, long as there is some type of cooldown on how often someone can type a message.. I remember playing Phantasy Star Online on 360 a long time ago and the text chat got spammed to hell.
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Yup, same problem in Final Fantasy 14. It was mostly Gil sellers. ( in game money ) you just had to keep blacklisting them.