This is such an important topic. I received a week ban for typing "Y'all play like monkeys". I understand that's not the best thing to type, but that's how they were playing. I'm not sure if you were playing a Ranked or Pub match. I personally don't care about how my randoms act in Pubs. I think a lot of toxicity is in Ranked matches.
I'm not hating on the devs, but they are allowing "solo queue players" to play Ranked however they want. That's where the toxicity starts. Disagreements begin once a match starts with where to drop. It is super petty disagreements that can be alleviated if the devs use better "player engagement tools". Such as a party up (requeue) button for random teammates. Currently, we're rolling the dice every match with players who have different moods. If we had the chance to requeue with like-minded players instantly there would be less toxicity. Players who want to play for the win, first and foremost, before moving on with their "day" will have a chance to play a more balanced ranked system.
Furthermore, it's disheartening to be banned for typing a non-threatening message. I won a game In Platinum 3 yesterday and had 4 kills and 1300 damage or so. My teammates had 0 kills total and low damage. They were duo queuing and were in a party. After the game he switches over and starts trolling me about the match. I didn't want to troll back so I basically said "I don't want any problems. I'm just playing a game. Have a nice night." He says to me "Ok, **bleep**". As you mentioned, he's not going to get in trouble for disrespecting me because it's audio.
If the devs can change the way requeue works after each match that will alleviate "some" of the randomness and spontaneous aspects of matchmaking. Currently, if you meet a like-minded player, you sent a friend request and/or game invite, then you back out to "party up". Additionally, the current requeue button is for solo queuing only. Sometimes you will be matchmade with the same teammates, but it's rare. A solo requeue option should stay in place, but I think it would be best to have a requeue option for like-minded players without having to send friend request and/or game invites. For example, in Rocket League you use the party up button, and it displays a "green check" beside the players who want to play again together. Very simple concept.
Lastly, TBH, the best way to play Apex solo queueing is to not mic up, mute pings, don't type nothing in chat, and do you. It's also the best way to not get banned. Only mic up if you're trying to network. There's no other reason to mic up. Hopefully the devs fix the player engagement issues instead of banning players who have spent money on their game. EA's arrogance is nuts!!!