If you avoid Christ’s instruction to pray together, then yes, your point makes sense. However, the principle of two or three praying together states that we can and should pray for each others’ needs.
If Christ instructed us to do so, He certainly knows what is best, and this means that we are to INTERCEDE, (i.e., pray) for one another.
This in no way negates Christ’s role but rather, we are the BODY OF CHRIST, so we pray for each other IN HIM — the head of the body. We are IN CHRIST.
“So we, being many, are one body in Christ, and every one members one of another.” Romans 12:5
Whether you call someone on the phone to pray with you, or you are with brethren in person, you are still praying together. We pray for each others’ needs, and like providing food or medicine; this is an act of charity.
A husband can certainly pray for his wife, or a parents together ofor for a child. These are acts of love and protection. And love is stronger than death; it does not end with the grave.
Set me as a seal upon your heart,
as a seal upon your arm;
for love is stronger than death,
passion fiercer than the grave.
We are part of the communion of saints, and united with the God of the LIVING; Christ is the head, and we are all parts of that one body. One Body. The Church is one in the Lord, whether resurrected or still on earth working out one’s own salvation with fear and trembling.
Ephesians 4:25
Therefore each of you must put off falsehood and speak truthfully to your neighbor, for we are all members of one body.
Your loved ones who may be deceased from this life and have been born into eternal life do not shuck off the memory or care that they have for you. “...being one in spirit and of one mind. 3 Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves, 4 not looking to your own interests but each of you to the interests of the others. Phil 2:2-4
Most certainly, those you initially referred to as ‘dead people’ are not at all dead, they, like we, are members of the body of Christ. They love you, they love me, and they, being one in and with Christ, will pray for anyone who asks.
“They love you, they love me, and they, being one in and with Christ, will pray for anyone who asks.”
Well, that is your assumption. We have no real evidence that those who may be in Heaven, besides God, can even hear our prayers, much less any instruction from God that it is now allowed for us to try to communicate with those who have passed on. On the contrary, there are explicit prohibitions against trying to commune with spirits in the Bible, so those of us who treat the Bible as a higher authority like to err on the side of caution. As others have noted, we have no need to pray to anyone but Christ, so we lose nothing by being cautious in this regard.