Speaking up does nothing against the shit talker, although I'd agree it can help the target of the harassment. This doesn't happen only in overwatch and it's not aimed at minorities, people will say whatever, and I mean literally whatever, they think it might be hurtful to the person they target. Bigot insults are not worse than "I hope your mum gets cancer" that can be read in some chats every other day. The solution for this is pretty simple but companies don't care enough to provide solutions for it. Remember player tribunal from LOL? This Riot telling us that handling that by themselves it's too expensive. What needs to be done is automatic voice chat parsing (think YouTube auto subtitles) and text chat parsing. Banned words = Ban (1 day, 1 week, 1 month, perma). That won't fully fix the issue but it'll be a nice start. Won't happen tho, not important enough for most people.