Read moreI am also an EA adopter and I have happily used the chat to help others but if I have to fear losing my Steam account due to moderation, I might never use the chat to help anyone again. You have to be careful not to create a situation like in Heroes of the Storm where no one talks because bans are automated and appeals are replied to by cut and pasters who just say no. I understand OPs point but moderation can lead to disengagement to protect ourselves.
It has to be a pretty serious offense for a ban, like selling gold and spamming it in chat. Being helpful in chat I can assure you will not lead to an account ban