It's not really a culture of enabling, it's moreso a culture of oppressing.
Taking a few steps back to evaluate the problem from the root, it starts with the ToS and the way it is enforced giving full power to abusers to maliciously report players, knowing that most likely their target is going to get a strike no matter how innocent they are.
In time, this fostered the current atmosphere of avoiding interaction altogether if there's any chance that it might stray off the "Sunshine and Rainbows" allowed spectrum of behaviour, and in turn this results in players being scared to call out anything from AFK, to poor play to outright intentional sabotage.

It's not a matter of how often it happens, rather it is a matter of how reasonable it is to expect it to happen.
The catalyst seems to not be the actions that you take, merely that someone decided to report you stating that "They feel offended", which is entirely subjective, arbitrary, and out of anyone's control- but for whatever reason it seems to be good enough for the GMs, or at least some of them.
Case in point, very recently a raid leader got a 3-day suspension for writing an obviously fake 'spoiler', comprised of 3 unrelated franchises as a PF description. Not writing it back here.
Any chat message whatsoever seems to be fair ground for a strike on your account.
My account is clean so far, specifically because I've made an effort to keep it that way, but not a month goes by without hearing of a friend or a discord/twitter mutual who got banned for something just as ridiculous as that fake spoiler.

I've had instances of meeting a BLM Sprout in a leveling roulette who was still spamming Blizzard 1 at level 44, trying to teach him how to use Fire 1 and Fire 3 procs, and immediately getting chastised and called "Toxic" by the Healing-only White Mage in the party, despite trying to talk in the most polite, sterile, company PR talk that I could conjure - and the best part was logging in for the next 2-3 days in a cold sweat, wondering if I got suspended or not.

This is really the only reason this carebear atmosphere has taken over the community, because it is enforced top-down.
Toxic players still exist, and actually they're much worse than in any other multiplayer game I've played.
Aside from ritualistic, performative niceties, I keep finding petty, vindictive, and most of all passive-aggressive people.
I didn't forget what this great community did to Scottzone.

If you define "Toxic" as "Behaviour that makes people want to stop playing", I don't think there's any community that is more Toxic than this one.