If this was a 18 and up game i would agree with you. but a parent can actually by european laws Sue hcs to bankrupcy if they dont take care of that.
Of course not that i care much, i sometimes say my F**** and the sort.
Rofl???
HCS have taken care of the problem, there is an ignore button and a chat filter. If the player is too stupid to not use these and becomes a butthurt mess over minor insults like "hoe", "nerd" etc then that's their fault.
If there's an extreme case of someone making accounts over and over to spam things such as "get cancer" or 'worse language' then you just send a ticket in.
Also:
Safety and Abuse
Whilst we reserve the right to monitor and take action if any of our Sites are used inappropriately (including the posting of objectionable material on the chat facility or otherwise), we cannot promise that any our Sites won't contain such content or that we will remove / modify any particular content. Nor can we guarantee that users will comply with our terms and conditions or otherwise behave appropriately.
If you are the victim of offensive or inappropriate behaviour or receive any other unwanted communications, you should report all inappropriate behaviour to as well as seeking appropriate external help, for example from parents or law enforcement authorities. If you continue to suffer problems, or are not satisfied, then you must stop using our Websites.
Source - https://www.huntedcow.com/home/terms