what is toxic and what is banter?

im just curious as to what people think because ive been in games where people have told people to kill themselves racist and all that i believe there are some things that should not be said but i do not believe that telling someone they are sht on a video game is toxic there is no threats or making fun of peoples real world issues all that im doing is telling my enemy laner hes bad my smurfs have been punished in the past because of this and i think it is silly that me saying someone sucks has gotten me 14 day ban you can disagree but fighting with people and a little bm about gameplay and not real world issues should not be held at such a high standard i personally like it when i go back and fourth with my opposing laner everytime we make a mistake we trash talk its one thing i enjoy about online gaming
Ps i never call my team sht my opinion is that if your on the same team there is no room for that only enemy players