Nah bud, but online games are for people playing together. If it's a team game, disabling chat or voice chat is really not a great idea. Nothing worse than deaf team mates.
I literally have no idea how people manage to play a game like Overwatch with chat or worse - voice chat - enabled in games with strangers. It's an enjoyable game but 9/10 people online just straight up suck and I don't play games after work to deal with that kind of negativity. Happy to be on chat when playing with actual friends or work colleagues, but random people online? That chat is staying muted and off I'm afraid.
Insulting randoms is done in Discord, with friends, since insulting a random player in a game you're currently in does nothing to help if the team is struggling.
Like the other day, I was playing Deep Rock Galactic. I host my own lobbies to keep things simple (and to feel entitled to a bit more control), and had started with 3 players instead of 4, since that's fine. The 4th player to join was the second scout (I prefer to play Scout if I'm hosting, and have no way to change when ingame), and I kinda blame them for why we lost that map. I tried using voice chat to quickly coordinate with them and the others, but lack of coordination ended up killing us all. In hindsight, I should have just kicked the second scout when they joined.
(Hazard level 4. We got a Crassus detonator (big, does big damage, explodes on death, makes a golden crater) and a Dreadnought (big, somewhat fast, armored, ranged + melee attacks) spawn at roughly the same time, were SUPER short on Nitra (resupply resource, and we were missing a whopping 3 out of 80), and not enough damage output to kill one or the other big baddie properly (Crassus needs to be killed in a tunnel to maximize its reward). I also asked the other scout to go revive another player who had gone down in an odd spot (since scouts have great mobility), but they preferred to use their weak gun against an armored enemy, while the Gunner tried to get the Engineer and also went down.
Plus, earlier in that map, people had burned their 1-use perk to get up after being downed, while there was still a very good shot of surviving. If I tell someone I'm coming for them, I really do mean it, even if I'm dancing around shooting the bugs off of their downed body. I just want to make enough space to not get bitten, and to not waste my 1-time use of Field Medic to insta-rez them.)
Disabling the ingame chat is the most sane thing you can do. Games are won by playing, not by typing.