I'll make this short and sweet. Will there be Admins keeping everyone in check? The last thing I would want is to allow the juvenile players to ruin the online experience. You know the type, the swarms of teabaggers, taunters, abusive, obscenity screamers, etcetera. All of the players who have destroyed so many FPS communities before. I know I can't be the only one who wants some sort of oversight to keep everyone honest and respectful, right?
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Bungie is good about putting the bandhamer on player who do not play nice!
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chat is exclusive to your fireteam if thats what your worried about. Find other friends and play with them, outside the typical 3 person Fireteam. Then you won't have to worry about it. You can't control the tbaggers though