This isn't just about hateful garbage this is starting to just be about being rude, pushy, or even speaking foreign languages. Toxicity covers a whole range of communication.
The problem is you know you have to mute them/ block them after they say/ do something bad to you. When you block them it may stop them from doing that to you but it doesn't stop them from doing it to others on the game. Making it a bad experience for others.
Mute/personal blocks do not fix the root problem which is the toxic players being toxic in the game.
If you're driving down the road and someone throws shit in your face from the sidewalk can you just not roll up the window? If so, just use the tools that you have.