My thought: online games which children are playing, especially ~13 and younger, should NEVER have text chat typed on a keyboard. They should only allow symbolic communication like "emotes" and symbols, abstract and basic stuff. Moderation teams can not possibly ever keep up with the "arms race" of determined scammers and exploitative individuals. Just eliminate the entire class of problems upfront at the design stage. Save your company tons of money, too, both in staffing and in legal settlements.
To Roblox's credit, they do take the "Club Penguin" approach: If you're under 13, you can only chat from a drop-down of chat options, and can only see messages sent using that functionality.
Now, that doesn't stop kids from lying about their age when registering, but that's another can of worms.
