No one deserves to be exposed to toxicity and toxicity is NOT a norm nor should it be normalized or perceived to be normal. Responsibility of maintaining appropriate conversation is always the senders’, not the recipients’. I think there should be clear chat guidelines regarding hate, harm, and insults, bullying and harassment, spam and solicitation, griefing and scamming, etc. and I think players should be required to agree to uphold these terms of conduct to play this game.
Also to improve my previous message, a game developer could add a message flagging system to their game and a customizable filter which allows players to auto-ignore other players based on the number of flagged messages they have accumulated.