For a cynic, I definitely have an optimistic view of people.
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They have a longer time to vent before the game, as opposed to either venting in the first minute or just bottling it until said slow loader makes a mistake.
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If a person normally wouldn't harass a player when the game starts, why would they harass them in the loading screen? Someone who does not have the impulse to harass people would not suddenly feel the urge because they have the option. That's like saying that a person who has no desire to murder would suddenly kill someone were they handed a gun.
No it's not, that's a drastically huge leap. Such a huge leap the two aren't even comparable.
Most people would view giving someone a hard time in a game over the internet either as harmless ribbing or just flat out trolling. They don't view it as actually harmful to the person which is part of the reason why it happens so often. It's the idea of "lol I made them mad, but they'll get over it."
To them it's like giving them access to water balloons. They don't have to use them, but it's not REALLY going to hurt anyone right? Right? It's because they don't view it as innately harmful that they would participate.
It's in no way similar to suddenly thinking someone will become a homicidal maniac.