Before You Decide to Insult Another
Consider that suicide is currently one of the highest, if not the highest, causes of death among young adults throughout the US at the very least and much of that can be owed to bullying in all its forms including verbal abuse and harassment.
Some still consider swearing at another in chat just a harmless way of venting their anger, but cyber bullying IS bullying. Don't be the one that sends another over the edge.
Instead, be encouraging in all you say in game and you may just save a life.