an idea that just occured to me was to have three main seperate chat channels. If the issue on profanity is so diversely objective, then why not?
1. All - The standard chat. Moderate swearing allowed, nothing serious.
2. Mature - All types of swearing and profanity allowed. If a player repeatedly uses it to insult / harass another player, however, then they will be punished.
3. Youth - No swearing, clean chat. Swearing is a reportable offense in this chat.