Most games nowadays have an option to just mute every-fucking-thing, which makes online gaming way more tolerable. That said, I still generally avoid competitive online games because of the community. Games where co-op is the central theme usually tend to weed out losers like this pretty fast, but not always.
Voice chat didn't ruin gaming until people started to consider built in voice chat a required feature in every multiplayer game. Someone like this gets kicked and banned from private ts/mumble/vent servers in a hurry.