Pretty much how I feel, I remember playing Quake 1 on PC and getting this shit talking happen then. Sure it wasn't voice chat but the text chat was the same kind of shit. It has always happened and will probably always happen for the foreseeable future. Unfortunately online gaming is a global thing and yes there are a large number of assholes in the world. Hell look at facebook and twitter, even when people have their name and picture attached they still spew vile shit.
Only thing you can do is use the resources available to block out the bullshit (mute options) and play with a known community. I never use voice chat unless I'm playing with friends, or a group from a board like this (Hi Destiny GAF, I miss you). Being a PC gamer I also tended to flock to moderated dedicated servers for things like Battlefield that would boot people that talked trash.
I'm sorry that your wife has to deal with this trash, just like I'm sorry that everyone has to. I can't even recall the number of times I've been called a fag, dickless, shithead, ass monkey or any other number of vulgar terms over the years playing games.