You shouldn't be able to join a competitive pvp match or start a raid without a working microphone
In games like Destiny or CS:GO for example, you should not even be allowed to start the activity without a working microphone. I dont care if you are antisocial, if that's the case, those activaties aren't for you and you shouldn't bring down your entire team because of that.
As an clarification, I'm more worried about Raids than PVP
I've played FFXIV some though never got to the real high end content like Omega. In general that games has one of the better PUG scenes and I could see it being doable for high end and have heard from some doing it on occasion when their guild raid groups don't have room.
The game has a player mentor system that actively encourages teaching others and collaborating and, at least in my experience, it works. You'll occasionally still come across toxic of course but even they often get shouted down by the other mentors. This leaks out into most other parts of the game in a positive way and can sometimes make grinding harder raids fine because they just accept it as a teaching moment.
(Keep in mind I'm speaking about my one server only, not the 30 others, you're mileage may vary. And I'm not talking about the weird erotic roleplay world that has also sprung up in that game.)