Of course people do talk at any time when it is clearly needed. There is no sense in being rigid about this or any other regulation. Silence is a mechanism for turning the attention toward God and self. Social interaction is wonderful but demanding. One becomes even more aware of the claims people can make on time and attention when they are limited and distanced temporally.
Silence stops the flow of self outward and makes people more aware of their selves.
After the essentials of food, sleep, and worship are taken care of, the monk or guest still has time left for work and leisure. The work periods can include study and further reflection beyond the appointed time for meditation, but it is desirable that they involve some physical labor. There is religious value as well as health benefit in the activity of the body. This work should be fitted into the pattern of ritual activity and subordinated to it. One must avoid work which robs time from the offices of prayer or times for reading and meditation.