The ESRB does not the rate the game for any online interactions, only for the actual gameplay, dialogue, etc. Basically what you are proposing is banning kids under 13 from using party chat which is by no means your business or your decision to make. Also the camera idea is lacking so much I don't know where to begin. I understand that you may think some younger people have bad experiences online, but of all the ideas, this is certainly a bad one.