I'm never short of things to say. I've always got hours of ad-hoc conversation for anyone, and more so, if we’re within some specific subjects. However, I have never said the word *banter* to someone, online or off it (apart from just now). I have chats. I don’t engage in banter. Chatting is nothing special. It’s just something people do, and a lack of self-consciousness can facilitate it. The presence of the latter generates anxiety, much to do with personal measurements of one's "banter" quality, which feeds the anxiety further in a vicious circle, because nerves hinder us from tapping into thoughts and memories that smooth our exchanges.
The word “banter”, with connotations of skill and wit, is often linked with flirting, and all in all, it has helped to add pressures to the simple act of talking.