Related question: Random distribution
I helped a new user, who declared that he was a novice and asked for some specific help in the comments. I would have been happy to walk him through it but he did not have the required 20 rep to chat. Even having upvoted his question myself he only has/had 11 rep.
Is there a reason we limit chat to those >20 rep? The other option is I have a long, difficult conversation with this person over comments, which is not great, and exactly why chat is useful in the first place.