That's a very "Vygotskian" approach
Pre-school children use "private speech", i.e. they narrate their activities while problem solving/learning/developing. Vygotsky observed that such children couldn't solve problems, e.g. working out how to get a sweet (candy) off a high shelf by using a stick, without talking their way through what they were doing.
We see a similar phenomenon with agony aunts; I bet most agony aunt letters (Dear Mrs. [name], I have this problem... ) never get finished, let alone posted. Narratives are a powerful way to make sense of our experiences and they are an alternative and a complement to making intuitive decisions.
For most adults, private speech continues (talking to ourselves) but under some circumstances becomes internalised into inner speech (the voice in your head). It's only when our personalities disintergrate that we start hearing voices in our head as "other". We're not considered mad until we think the voice in our head is coming from someone or something else, i.e. if the teddy bear starts talking back to us ;)