That would probably make COD/MW playable.

I found the game really enjoyable when I did not have to listen to people making remarks about my playing...by lowering the voice volume all the way. It also saved me from having to listen to random strains of someone's music or breathing.

My problem with it (to various levels on other games, but COD/MW is the worst) is that you really need to communicate with your team in these games. Unfortunately, you are likely to hear hundreds of extremely racist and homophobic slurs in a single gaming session. When you're not being subjected to the dregs of society through their racism, you're having your ear drums blown out by ten year old kids screaming random noise into the microphone (because they can, I guess) or teenagers rapping or playing music loudly like they're a fucking DJ. Oh, and don't forget the jackholes who can't be bothered to mute their mic, so we all get to listen to their forty minute conversations with someone on their cell phone.

They need to require DOB for an account on consoles (guess you can't do much about it on PC) and then give people an option to say "don't match me in games with people under the age of X". The 360 has an option that lets you choose what "community" you want to be part of, but it ignores it completely. If it actually worked, it should keep the twelve year olds playing with the twelve year olds. Not that half the racists and inane idiots aren't in their 20s and 30s, of course. . . :/

I've pretty much refused playing on public servers now (on the PC of course), and just stuck to a serious semi-roleplaying community focused on shooters, because of exactly this.

Honestly I find all the idiots on COD rather funny. It's especially funny when they accuse me of cheating just because they're bad at the game.

Sony PSN has taken care of that for us already.

I loved it, too. But I doubt the idea with the penalties could work very well. You want high value with low entrance costs. As long as you can sign up anonymously you can't get rid of the jerks.

If your purchase of the game is tied to a Steam account, that should work. You'd have to make a new Steam account to avoid these penalties... probably actually a bigger hassle than it sounds, since which account you're logged in as determines which games you can make a snap-decision to play.