Reddit reviews Gaming Headset - Wired, Over-Ear Headphones For PC Computer - Stereo Surround Sound - Built-In Microphone, Changing LED Lights - with USB Cable Plus 3.5 mm Audio Jacks

The game was designed to be played with mics. The ability to speak to each other and coordinate as a team is literally built in to the difficulty balance of the game. Playing with people who don't have that ability nerfs the counselors. It's like that guy who played Dark Souls with a guitar hero controller - yeah, it's technically possible, but a hell of a lot harder and not most people's idea of a good time.

On top of that, being able to talk to other counselors and Jason really changes the game for the better. I've had so many awesome experiences with the social aspect of this game, and my friends list has grown more since last Friday than it did the entire 2 years I've been on steam before then. It's a completely different game with 8 mic'ed players than it is with a silent group. The voice chat system and the way people use it is what really takes this game from alright to great.

tldr: If you don't have a mic, you're making it harder for everyone else and missing out on the real magic of this game.

Edit: You mentioned insecurities and financial issues: the people I've played with have been one of the coolest player bases I've ever seen in a game - the only time I've heard anyone say something negative about anyone's voice are when the person they're talking about is being an asshole.

As far as finances, a quick google search tells me you can get a gaming headset for $3.35 on overstock.com (and it's a Turtle Beach, who make good ones), as little as $1.35 on ebay, or $9.99 on Amazon. If you have enough disposable income to buy a $40 game and a $3-400 machine to play it on (or significantly more on PC), it's hard to believe you can't scrounge up three dollars for a headset.

If you don't want one, that's totally your decision and I respect it, but don't complain when I dodge your lobby because nobody responds when I say hi. And please don't try to tell us how OP Jason is, because you're playing a much harder game than the people it was intended for. Or maybe just play other games where voice communication doesn't matter so much.