Truth be told anything online related is pretty much no holds bar. Also there is little to no threat of facing the person/persons they may be communicating to. For me personally those things don't bother me because in the end of the day I know I don't know them. I'm just here to have fun and play and that's what I do.
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Damn dude - I wish I had your level of maturity. I'm a white dude, but I had to give up COD because of the racial crap online. My wife would be miserable hearing me yelling at kids, but I couldn't let that stuff go unchecked. My blood pressure is much better with Destiny, but I wonder what it would be like if there was voice chat in PVP.