Mute vs. Report and relation to the "teach them not to" argument
Edit: To clarify; either you actually want not to experience toxicity, or you're spiteful and like the thought of someone getting punished. The only middle ground would be talking it out with the person so they understand how you feel-- which would be the best option for people saying that they want to make friends with the chat.
But then, that has the same issue of taking the responsibility on yourself to make a difference that people this pertains to don't want.
For people who don't want to experience toxicity in game, there's a simple solution that makes it completely impossible to. Just type, "/mute all" in the chat at the start (maybe mute pings as well if you think that tilts you too). This simple method reduces the rate of encountering toxicity by 100%. There is no feasible argument, for those who are sensitive to "toxicity" in online games, not to do this. Because Using the report function instead has virtually no effect. Unless you're very high rank, the odds of running into the same people again aren't very high. And reporting one person has no effect whatsoever on the other people you are guaranteed to encounter who like to use the chat to express displeasure instead of inting.
How this related to the title is that it's the same concept: everyone knows the rules. Everyone knows being "toxic" can get you punished. People do it anyway. No amount of punishment is going to prevent people from doing it. It may change one person's habits, but it won't stop anyone else or reduce the overall rate of toxicity. You have a responsibility to yourself to protect yourself.
If you're trying to claim that it isn't your responsibility to make sure you're safe, you're just dead wrong. Crime will always exist. If America is any example to go by, no amount of punishment will prevent it. You need to take preventative measures.