* I have accounts not just here, but also at places like Lobsters and Something Awful. In those places, because accounts are rare and can be banned so easily, discourse is constantly trying to stay much more civil than here or Reddit.
* As a former community moderator, I don't respect moderation actions on sites where anonymous signup is allowed. You asked for hoi polloi to wander in off the street and give their opinions; you can't then wonder why discourse is trash. Here, it's even worse; the moderators are paid for their work, which lends a clear bias to every moderation action. Similar happenings on Reddit led directly to user protests and revolts, and it's amazing that the community tolerates paid moderation here.
The idea of the well-tended garden is a potent one. I have had to tolerate obviously toxic but helpful people before and it is always irritating to not ban them, despite knowing that they are good for the garden.