Your idea that since the majority of players are good people, all will be well. But much like a raid fireteam, it only takes one bad egg to ruin it for everyone. You could be at a raid for 3 hours with an above average group, then one jerk could ruin it all. Your optimism is admirable, but I'm afraid we would just have more horror stories that would lead to things like this thread. Look at current matchmaking. It's already a mess. I think Bungie playtested it and decided it was a horrible idea.