As stated before, it is not against the rules of Chaturbate to talk dirty to a model if you do not have any tokens, unless the model has rules of their own room set ie: Dirty Tip notes

Saying that, you do not have to feel guilty not to have any tokens.  Its the users own choice if they wish to purchase tokens.

As before just bare in mind that some models prefer you to talk dirty to them in tip notes rather than public chat.  Always check with the model first before jumping into dirty talk with the model.