>Correct me if I'm wrong, I don't see anything in their process that suggests that a group of adults playing with their friends are at risk of having their chat audited in the absence of a complaint?
There is nothing letting the group of adults easily opt out of the system.
Someone is mischievous and decides to report someone else? Permanently banned.
Someone has a falling out and decides to try to piss off their friend by reporting them? Permanently banned.
Someone thinks they're funny and report as a joke? Permanently banned.
Not to mention that Microsoft has repeatedly failed to actually implement this correctly so far. I wonder if all the people who have gotten banned by this will ever get unbanned.
If you want Minecraft to be a game for kids, why don't you parent your kids? Minecraft is not your daycare. Minecraft is a portal to the internet (the world), if you wouldn't trust your kid to go on an international trip on their own without any supervision then stop letting them get on the internet without supervision.
Want your kids to play with friends? Pester Microsoft for an easy way to set up a server that YOU can control and manage and they can connect to (I believe realms already did this).
I promise you that Microsoft's changes won't keep your kids safe, they won't prevent them from dealing with adults in Minecraft, they won't prevent them from being exposed to ideas which you might see as too adult for them to thoroughly understand.
You have fallen into the PR trap that Microsoft created. They WANT you to feel like your kids are safe and WANT you to feel like they're making responsible decisions. This doesn't actually create a safe environment, and more likely is just a way to stimulate more sales by permanently banning accounts for a game which parents just can't help to buy their kids copies of.