Have you looked at "Zen mode"? It removes the chat while you're playing ... you'll still see any insults after the game though ;)
I know Zen mode, however, most interactions are pleasant so I don't enable it by default, but typically when someone bothers me in the chat.
Me too, but it's still much better on lichess than chess.com in my experience. Also, cheating is not as bad on lichess
I've never ever looked at the chat. And knowing that it costs money, and quite a lot, to moderate that, I'll never report anyone. It's just vanity. I don't care what you write to me. I just beat you in the game. Just cry it out. There you go.
I report these people in the hope that other players don't have to experience their hateful comments.