Unfortunately, there are many shuls where the majority of people talk during the service. Even more unfortunate, is that some of the people who do the most talking are primary synagogue officers with the power to hire and fire the rav. I've seen it happen a few too many times when the rav has asked these people to keep quiet, and they get offended because they don't want anyone telling them what to do. Eventually, they had the rabbi fired.
In some cases, the rav, himself, also talks during parts of the davening, about matters unrelated to the needs of the service.
Someone in my neighborhood left the shul where the rav was in both positions - i.e., he talked, and because he was afraid to lose his job, he let the people talk as well. One day, when the rav saw this person on the street, he asked him why he left the shul. The person was embarrassed to reproach the rav, because he respected him. So, he avoided the question, altogether. He asked me for suggestions, and I'm not sure about what to do.
What's the best way to reproach the rav? Tell him the blatant truth including the fact that he is part of the problem - namely that he talks? Encourage the rav to tell the main people that they cannot talk when doing so may risk his job, there? Or, continue avoiding the question and mind one's own business?