We've been through all the reasons why the banter split and inaccessibility of char chat till level 6 is a good idea, in terms of rookie retention. I live in narr chat and see the frequent gripes of established players levelling up their alts to access char chat.
What about having the Hunter's Lodge sell a Banter Key?
I bet that would be a well-selling item with advantages to all:
1) Encourages donations to CMJ.
2) Solves the issues that established players have with the current banter situation.
3) Is unlikely to be bought by rookies, so it wouldn't throw them into a chat that's fast and confusing to the point of deterring rookies.
The Improbable Island Enquirer - Forum