It's difficult to provide evidence of it given the naming and shaming rules in place, though there's definitely players who weaponise the terms of service in an effort to get people who voice dissenting opinions to their own banned both in-game and outside of it. Indeed, there's even an infamous Twitter page that periodically quotes people from this very forum - often out of context - and all but outright encourages people to get outraged by the quotes, seek out the thread in question where it's from and sift through the poster's history to find some comment or other to cry foul over.
As for me? I've had death threats sent my way over lore discussions. I'm glad you haven't experienced the worst that the FFXIV community has to offer, though there are a lot of very shady players to be found unfortunately.
But, yeah, take it with a pinch of salt. Maybe others can weigh in with their experiences.

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