Perma banning in game chat vs entirety of account

Would it make more sense for someone being banned for being toxic in chat to have their chat restricted or completely taken away as opposed to their entire account they have put any amount of money into taken away from them? If their gameplay isn't an issue and they are willing to spend more money on champs, skins, or whatever. Would that not be the more idealistic move?
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We're testing a new feature that gives the option to view discussion comments in chronological order. Some testers have pointed out situations in which they feel a linear view could be helpful, so we'd like see how you guys make use of it.

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