Civil flight schools usually teach students to use short and concise RT. Who, where, intentions, etc. Problems can arise when pilots don't use the radio much, either intentionally or due to lack of confidence. This lack of practice can lead to longer transmissions and mumbling.
I have heard 'waffle' going on at AG airfields where there is a club member in the tower talking to a club member in the curcuit. Have also heard it at glider airfields where they talk about anything and everything.