I agree with you OP.
I run a lot of dungeons and I always feel weird after being the only person who even said "hi" at the beginning. And some people only talk when it's negative. Feels like a toxic community overall. Rarely you get a fun party with people joking and role-playing but this is very, very rare. People treat duty finder like a throw away service, you don't even deserve a welcoming notion. I still think SE should allow a button to only join people on your server (outside of using party finder to help attract the shy people) so you could try to build friendships versus just playing with strangers.
I've tried joining very large free companies and small ones. Even then it feels like everyone is quiet and does their own thing. FFXIV was designed to be a casual theme park, you really don't need anyone... at all. I believe this is the primary issue with FF14, not to blame the community but blame the very way the game was designed. The game is oddly anti-social, toxic and at times extremely unwelcoming.
They tried to make us work together with HUNTS but it doesn't require teamwork, communication or skill. And most times it just turns into a bloodbath of rage when people pull too early. Again, just turns into something extremely toxic and it's an activity I choose to avoid because of this. Now, I can't get my 180 equipment because I don't want to be surrounded by hostility.
I say all of this because I truly do care for this game, and I will continue to play it. There are some really great people who play this game. Balmung for instance has role-playing and the community is very active. I love listening to the conversations or the role-play chatter. There is always hope in the community to help alleviate the flaws of the game.