For me, the big thing that will make signal usable as a chat system is multi-device access. I'm at a computer most of the time, and much rather use my keyboard. Hell I would even hack the iOS client and make it an OSX client once they have multidevice support baked in. The ability to seamlessly move between my phone, tablet & computer is vital, so I use iMessage.
Whisper is working on a chrome version, so I am excited for the eventual multi-device.
Then to make money, maybe Whisper can make Signal: The Slack Edition and sell it for $4/month/user. They will host your WhisperSlack servers, but with client side encryption, never know it's contents! Even with compliance exports.