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Etiquette in chat is simple: respect the other person and their boundaries. The rules are short, but they are what make a conversation pleasant for both.
Everyone has topics they would rather not discuss. If your partner dodges a question, do not push. And the other way round: you are free not to answer what you dislike.
A conversation can end at any moment: “Skip” switches partners, and leaving ends the dialog. You do not have to explain why.
Do not answer in kind: switch partners or leave the dialog.
Better to avoid them: ask about neutral things.
No, the chat works without an account.