Require the most stringent protection as defaults.
For all Apps, make the defaults the most stringent protection for users.
Example: Echo VR should have voice and chat disabled by default.
Allow the Users to enable Voice or chat for Party, Friends or ALL.
This way, kids aren't going in there for the first time to a barrage of the "F", "C" and "N" words, and any other words or phrases we try to teach them are hateful in real life.
It's not only the kids, but also adults spewing the hate. At least with the max protection to start, it would take an effort to hear these things.