If someone says something you don’t like, ignore them. Remember: Hate speech is speech that is hateful, not speech that you hate to read. People should not be punished simply because they’re having a conversation that you don’t want to participate in.
However, in that vein – expand what’s considered hate speech to include more than the obvious flags of hate speech. A “4”, “@”, “3”, etc somehow bypass the multi-million dollar company’s chat moderation feature. Include the more modernized hateful terminology in the filter.
Should be the simplest filter possible to just auto mute people.