My point is that you only think about what you as a grown person wants out of a kid-friendly game, and not what a parent would want the chat/party system to be. You don't give a shit about exposing kids to bullying/racism/sexism/stalking/etc., because you, as an adult, want to swear at strangers. You aren't the target audience and don't have the frame of mind to decide what's good for kids, only what's good for you. There are plenty of games on the market that already cater to what you're asking for, but fuck Nintendo because they're trying to make the kid friendly version. Think about more than your own situation.
You can't default to a free-for-all chat situation in a kid-friendly game. If you want to swear at adults, then add them to your friend list and be done with it. You're making something out of nothing.