I literally came here just to say this basically, I really really really miss chat bubbles. Like trying to interact with players in game is impossible, cause it's just a message in the chat. You don't know if it's aimed to you or someone else cause, hey why would someone just randomly talk to you.
But if you see a bubble pop up next to you whilst someone is looking at your character it way more obvious. Usually all my interactions with other players go unnoticed and it's so boring, I really don't understand why this isn't a thing.

You do need an option to adjust where and what chat produces the bubbles such as party chat and say. And the option to disable them if you don't want them.

Seriously add chat bubbles its actively making my game experience worse cause it's not there, and apparently I'm not alone.