This can be true but in my case, even without rules against being toxic and such, my behavior would be completely identical to how it is right now when I play. Never have I been in any kind of trouble in any mmo I've played, and I've played a ton.
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I kind of feel your approach may be the problem. There was a thread awhile back talking about the same thing and my self n many others spoke about less confrontational ways to address things like mess ups. I've been a mentor for a good bit and often give pointers. I've never once gotten in trouble for it nor do I fear it.
I won't say its definitive but if you're afraid to speak due to ToS it might be a you problem (not you but in general). Basic manners aren't hard
The vast majority of toxicity in this game that I've seen has come from PF learning parties, Eureka zones, and Bozja zones. Although Eureka takes the cake as the most toxic place in the game.
Some of these posts are difficult for me to believe. I was told to kill myself and/or uninstall on an almost daily basis for years in WoW. No one has EVER even came CLOSE to being that toxic to me in this game.