chat history for you should be on a seperate, non critical path,
sometimes the auditability of being able to say you sent the message is as important as sending the message itself, banking / telecoms etc.
sometimes you want to search your logs in "real time", ala twitter search
and as I alluded to above, more than often message delivery should be done seperate to persistence, but that doesnt strictly mean outside of a database.
sometimes the auditability of being able to say you sent the message is as important as sending the message itself, banking / telecoms etc.
You keep intermixing a user-to-user chitchat system (which the submitter presented) with banking and telco applications. They are not the same, they are not even closely related. ISO 15022 does not apply to twitter.