It's hard to force WFH people to create non-job related relationships. Like if your jobs don't overlap, you'll probably never talk in a WFH setting. In an office setting, forming relationships is both personal and functional. Maybe some of this communication isn't efficient but it probably has value.

That's recreating a water cooler with an HR drone sitting there spying.

There are ways to do it with out "HR Drone" spying

and further if you are saying things that would get you in hot water with HR then it is unlikely that a verbal conversation is better, in fact in many of these instances having a record of the conversation can be helpful....

Yeah, it is harder to be friends with your coworkers when you are remote. You do end up developing relationships though. My mom, for 30 years, spent so many years on the phone with other people, when they finally met up, it always ended up in friendship.

I work from home exclusively. I am in the same boat.

Earlier in my career, it was easy to make friends at work. I miss that. Lets go golf! Lets go drink! Lets go do this... etc.

I do think that ended up creating 'cliques' inside the groups though. Its probably better in the long run to try to establish a more professional relationship with coworkers. Just my opinion - and i'm likely wrong.