Option to disable chat functionality

While I myself have never been punished in the 2.5 years I have been playing, I see so many threads about bans and reports on these boards. I feel like it would be a really good tool to allow players to "mute" themselves, or disable chat completely. While not everyone would use it, people who know that they are prone to raging might, and at the end of the day, what's the harm in an optional tool if it helps a small portion of the community?
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