I expect people see the horror stories and become afraid, especially for accounts that they've put a lot of time into and would be hard or impossible to redo from scratch (like FFXIV, or a Discord account with lots of servers and friends made, etc.).
The trouble is that the horror stories are outliers, but small risks of large losses are the most difficult to handle psychologically (and policy wise, even, to be quite blunt - especially when populations are large enough that any given ghastly corner case is likely to happen to someone statistically speaking), and in the case of online accounts, for various reasons the information that allows us to confirm just how much of an outlier is generally not available (while trolls will use the situation to try and spin doctor their legitimate ban into "I was a corner case, boohoo" threads).
Offensive language is probably the worst one because I've actually heard of friends who've gotten suspended almost immediately after the (justified or not) words were uttered, which runs very counter to how FFXIV is normally understood to work (i.e., reports are assumed to all be human reviewed), and suggests that there is a robot rubberstamp for this particular case - quite possibly matching the lovely profanity filter limitations (where even, say, "the thing is" will come out as "the thin? ??" in game chat ... so false positives are a very real possibility, but since they won't tell you what you did "to protect the reporter" ...)
TBH a real issue on this one is probably sprouts: all those old Leves where you have to /beckon, for instance? Get it wrong a few times in a row because you don't know how to use emotes yet or don't realize you have to target the friendly NPC first? Your communications might be limited (free trial? Not in Novice Network yet? Oh, apparently free trials are understood to get shorter shrift when it comes to getting reported, too) so you can't or don't know how to ask for help?
Maybe emotes into the chat log should just be filtered out altogether, or it should be changed to a "see emotes in YOUR chat log" instead of "SEND emotes to people's chat logs" option, and the option to report for it removed at the same time?


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