First off, I do support the punishment of players using abusive language to other players, as it generally affects that player IRL. In the last dev update, it was said that a video of a player doing this to another convinced them to (permanently?) ban that player.
I'm fairly anxious and paranoid in general, so I'm somewhat concerned that a player who has a grievance towards another, for whatever reason, could entice them to speak (displaying the talking bubble), record the video, and overlay another voice recording with abusive language. This video could then be sent to Rare/Microsoft and the player is then permanently banned for nothing.
How could one possibly defend themselves against this? Would I need to be recording my screen and voice at all times? I'm almost afraid to talk to other players using the mic at all now, to keep that bubble from appearing over my head. At least in the case that it's a player I've stolen treasure from.