Funny Isn't It
The standards for being banned are a bit funny in this game. Flame players and spam chat all you want, but as soon as you say an offensive word, you're banned.
I have found that the best way to shut people up who are being assholes in chat is to tell them it's just a game while also throwing out a terrible insult. In 100% of cases they always reply with "reported", but the effect is achieved as they no longer talk.
For some context, my insult of choice rhymes with digger.
Don't you have to disable the chat filter to see these words? Is there not an implicit assumption that if you turn it off, you want to see these words? Should you be punished for people voluntarily choosing to view your derogatory speech when they had the option not to?
If you don't want people to say certain words, wouldn't the easiest method be to block messages that contain said words? But I digress.