Unpopular opinion, but Microsoft should not be making the ban decisions. If I paid $80 to buy a game, then paid additional $60 to Microsoft to be able to play multiplayer games, I am sorry but it’s up to the games to enforce any rules they want. Some game lobbies are inherently toxic and if I get banned for profanities from all games, then that’s complete bs.
It’s like your ISP disconnecting your internet because your were in an argument on Facebook.