I had an elderly parent whom I used to take to church. I can confirm that a lot of the elderly who do this in church are hard of hearing. Also, for many of them church is their big outing, perhaps their only outing, of the week, because they have physical difficulty going places. I know quite a few elderly, including my mom when she was alive, who are homebound except for doctor visits and the occasional appearance at Mass. Much of the chitchat I’ve overheard with these elderly folks involves how other people are doing, including who has not been at church because they had to move in with their kids/ go to a hospital/ enter a nursing home/ or in worst case, died.
These are people who were for many decades the backbone of the parish churches when they were younger and well, and they likely don’t have much longer on earth. They don’t see what they’re doing as disrespectful; rather, they see the Church like their home away from home. I think we can and should be a little patient with older folks if they talk a bit loudly in the church before Mass. I doubt that Our Lord finds them bothersome.