The only annoyances I have in MMO's is RMT spammers regardless if they are actual RMT or scam sites hoping to phish your info. I feel like it all needs to be classified cyber terrorism and the people responsible treated as such along with the pricks running scams by phone, text, email. These violate the ToS in more than 1 way and in the case of scams also contributes to people's fear and paranoia.
As far as content by other users goes. If I don't like something, I don't read it, watch it, play it, etc. I don't go around crying to everyone about how I don't like it in some overblown fit with the expectation that the world is required to keep things I don't like away from me. I actually find the people trying to force others to conform to their preferences as extremely offensive and groups of such people like the "cancel culture" and "twitter puritans" as a shining example of how general society is allowing toxic behavior to grow and infect itself on a larger scale. It should be on individuals to filter out or avoid the things they dislike in the situations when they come across it on a case by case basis. That individual should not have the ability to force a denial on everyone else of something just because they personally do not like it.
There may be a mention of not doing certain things in the user agreement. However there are other things as well in that agreement that is constantly being breached and happens regularly on most online games. I've seen some companies go as far as to ban a credit card number on a retail game that required a paid sub or a free to play game banning a device's MAC address to enforce their ToS.