I believe that WordPress.com should allow for the moot.it plugin to be pre programed into Dashboard. This would, in my opinion be very valuable.
If there is a way that I can make this forum contained on the site already, I would like to know. However, I have not yet been able to find a way of creating a page and pasting the embeding information.
At present there are no chatboxes or forums I am aware of that can be embedded into free hosted WordPress.com blogs. There is no FTP access and we cannot install plugins.