Ever play a game called second life? Well, it's open mic and you have to be within a certain range of people to talk to them or hear them.
This made it easy to socialize and meet people. In a game like destiny it would help build a closer community. The loud annoying ones will be shunned and ignored? Thus lowering their enjoyment of the game.
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It's called proximity chat, and it is exactly what most of us (so far as I've seen) want.