Guys. The mute button. Use it.
I see at least 9 boards posts per day from people saying about how they got unfairly banned for responding to toxicity in chat. Just use the mute button the second the other guy(s) starts being a jerk. You won't have to see their messages in chat, and you don't get banned for someone else's BS. It's a win-win! I mean seriously, the devs put it there for this exact reason.
