I can understand if you accidentally swore when speaking, but typing has an extra layer of thinking about what you're converting from speech into text, and at least some degree of opportunity to reconsider and alter what you wrote before anyone else sees it.

If you know certain language is not allowed, can't you just restrict yourself from using it in chat, or substitute something less offensive-to-some?

(I don't ever swear even in real life - at least not in language that would be on the 'banned list' - so I honestly have no idea what it would be like having to tone down language in text chat. Is it hard? Really? Do you have to think about the fact that you shouldn't type that word in? I'm not asking this hypothetic-sarcastically.)