I agree, for public severs at least, muting chat would be suffice, as Sudenki mentioned it would be almost impossible for them to deal with people without systems in place. Ultimately when it comes to individual communities it's up to the players and administration to police behavior. Smaller communities often become rather toxic overtime due to lax administration, so trolls/racists etc become a rather vocal group.
Thankfully, there should be many private communities to choose from, at least from the start.