And that's exactly the point, as you write players with a bad rating don't find a group. Then you have to behave like an adult player, not be toxic, be helpful and then you won't get a bad rating. Only the player himself is to blame for his behaviour. Then they have to earn a good rating, as you said, it's an MMO, a multiplayer game. Then the player has to write to the people and say: I made some mistakes but I'll do it better in the future and everything is ok.
And your last sentence just confirms that I'm right and that you have a toxic streak, without attacking you now. Of course there are players who don't like such a rating system, but they know exactly why, because they are used to flaming, ganking and being toxic. No developer has really stood up to it yet.
I mean, I'd rather have 55,000 players who are loyal to the game and support it than 25,000 toxic players who ruin the game for others.
Again...who defines "Toxic"? Who defines "adult"?
Hopefully not you.
Hopefully not anyone...ever. The ruleset and abilities BUILT INTO the game should define what players are able to do or not do. Not some asinine voting system with mob rule, not some Code of Conduct written by lawyers, and sure as hell not a bunch of online keyboard warriors that can't handle WORDS whining incessantly online and in-game about every imagined slight.
Seriously, if you can't handle playing with other people, or people that play differently than you, there are a TON of great single player RPG's out there. Maybe then you can have fun playing with all the NPC's you're trying to force fellow players into being.
Me? I'll take real players with real words, in a game that doesn't censor every time. That's being an adult. Adults can handle words and work/play with different types of people. It's called growing up and being mature.