This will not, under any circumstances, be a problem for people who are acting civilized. No one is even under serious scrutiny. This is for things that get really out of hand. In the past there have been servers where the residents and owners were so caustic and disturbing they actually arguably could have had charges brought on them at some point. As far as I know even these people were not banned or whatever. It's a secret weapon kinda deal.
This. What people are not getting, is that even if they are dumbasses ingame (some people get their rocks off that way), and even if someone tells mommy tripwire, they're probably not going to care.
Unless you chase someone around, all stalker like, making threats which then can be reported to actual law enforcers, and then in case of any legal action taken, Tripwire has their ground covered and can mostly wash their legally and have little to do with it.
Also, if things ever do really get out of hand with a specific user, they can terminate contract if they wish to do so.
Literally every company does this in regards to software. Their law advisors erhm, advise them to do it, and with good reason. Because if companies do not protect themselves, they can be legally skinned alive by opportunists.
Like someone said before, it's basically the same as going to the movies, or even going to your local nightclub. If you're an arsehole and either attack clients or cause damages physical or otherwise, they can call the police on you, and you're out.
You might have already payed the fee to get in, but it doesn't matter, it's the price you pay for NOT acting properly.