> Am I missing something here?
The trash talk isn't the issue. When I, a male, join a multiplayer session I'm largely ignored. If I'm talked to, yes it's usually to trash talk me.
But when a female joins a session, they become the center of attention. They can't simply play the game; everyone is watching them and wanting to interact with them. In addition to that, the conversations from other players isn't just trash talk, it usually includes a heavy mix of flirting and sexual advances. Not funny, trolly, trash talk sexual advances. But intentional advances.
Not to mention the stalking outside of that session that females can experience.
The vast majority of people joining a multiplayer session are there to relax and have fun. Not get hit on by strangers on the internet, be the center of attention, or be open to harassment even after the session.
It's a qualitatively different experience.