Virus, you must understand that the TOS is a very fine line to walk. Currently it is limited to that which is blatant in it's presentation. There are many many ways to violate it through subtle means, and it is physically impossible to make a TOS that covers it all. Please trust me when I say that the admins and mods here have agonized over it time and again, often even arguing amongst ourselves over what's what and what should be in there or excluded. The result is what you see in the TOS, something which I assume will be ever-evolving as the need arises. There really does appear to be no all-encompassing answer short of eliminating discussion entirely. Or, more specifically, arguments. But, arguing in and of itself, can also be a good thing. The dificulty arises when it comes time to make a judgement call as to what is and what is not, a TOS violation. Besides, the penalty for personal attacks is, at first, a written warning. You do not know who has or hasn't received these written warnings, and it is not generally made public, but rather kept between the warn-er and the warn-ee. Please try to understand that this is becomming a very difficult thing to manage.