If you think it’s legitimate to ban/suspend someone for using offensive language, then remove the option for a chat filter because it’s clearly useless. Doesn’t matter if someone is actually being offensive, the chat filter option is there for that reason. Banning someone for swearing is far to drastic a measure and makes “security” look very squeamish. People argue, it happens. Stop trying to be everyone’s mom and dad.
PS I know none of the development team actually cares about any of this considering the millions of players, but that is selfish.