Agreed to a point. I think the ideal system would be to locally store voice chats. If you report someone on your team for being toxic, then they're sent over for review but made anonymous (like "Blue Player 1" and "Red Player 3" instead of "xXxGunKiller69xXx" and "Purple Dream Flute"). If whatever system used to review the chats (preferably humans, but it'll probably be AI) determines that there was an actionable offense, the match identifier is pulled up and then and only then individual player names get seen so actions can be taken, otherwise it's fully deleted.

That's about the best system I can think of to balance privacy with the banning of toxic players. You could use this same system for text interactions as well. While I would love for 100% of my data in mp games to be private, it isn't possible to do that and not be surrounded by toxic assholes 24/7 afaik. And I'm personally fine giving up a bit of privacy if it means not being surrounded by assholes every match.

Now, the big issue is that gaming companies just want to record everything you say to sell it off for data collection, but that's more to do with the fact that capitalism encourages companies to have 0 ethics