answering just the thread title, and observing OP is correct in my experience, they are responsible for a lot of the talking and commotion, some guesses:
some of them live alone most of the time and before, during and after Mass is the social high point of their day or week.
some are deaf and what they think is a whispered conversation is actually carried out in ringing tones
some may actually be lost or confused and really need to ask a question
some are of the generation (yes, mine, the one that lived through the ravaging changes of the 60s and 70s, we are the oldies but goodies now) that witnessed and even embraced the stream of liturgical practice that went “we are building community, welcoming, we are not solemn solitary adorers” and have been industriously adhering to what they were taught in those years.