Perma ban chat instead of account (Idea)

This is an idea i had beacause i got 2 chat restrictions already some for games that i was slightly toxic but still count and now im afraid to use chat at all because i dont want to lose my account ( i feel like i can get banned so easily now especially from premade reports that has happened to me). So the idea is why not perma ban a toxic player from chat instead of perma ban the account that way the player wont be able to chat anymore and flame. Thats the point of the chat bans he gets anyway along the way to perma ban. Perma ban of the account should be only in cases of trolling or hacking in my opinion.
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