Hear me out a moment--
As a parent of young kids who've asked when they'll be allowed to play this game I'm horrified not by the game content but by the way so many act both on the forums here and in the team chat.
I can understand why so many don't play with mics. It's for their protection.
EDIT: Thanks to all for pointing out the online content is not rated. It wasn't overlooked. I just feel that this game's online content is a critical part of the overall experience. And MOST IMPORTANTLY --- You CANNOT play the game without an online connection. If it's a requirement then they shouldn't be able to exploit a loophole in the rating system.
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You're never going to stop the scum of online gaming. They've been there since the beginning. Anonymity brings out the dregs of society. Best option is to just not let them use a microphone. Only way to stop it.