you gotta look at it from a different point of view :
it is just a game, but its the underlying morals that I think most people "for" this thread are trying to argue.
insults arent that bad, although totally uncalled for. as the person slinging the insults generally knows nothing about you, the insults are half assed or very run-of-the-mill.
(as a note, anyone who insults me in the game badly, gets it back 20 fold. so many poeple who have insulted me in-game have blocked me to stop the return insults
you never know, maybe he/she will think twice before insulting the next person)
Scamming someone, thieving, and misleading someone is low, VERY low. if you dont care what people think of you in-game, what about the other innocents in the game, who are viewed with suspicion, because of your devious acts? all for what? gold, an item, to skip a section of the game? this is where your own argument comes back at you ITS A GAME, if you dont want to play it how its supposed to be played (and scamming and stealing is NOT how its supposed to be played) you need to stop playing online games!
"do unto others as you would have them do to you" Luke 6:31
an old and simple way of thought that is not nullified because your in a game....