temporary ban

It's because you played the game too long at a single time. It is a precuation for prestige boosters. It is a simple fix as suggested by clearing your system cache. If that does not work, you just wait a while for the credits to pick back up. Bungie feels
you earned enough credits for one sitting. lol

Oh, and put in a simple flood protection so you can't send more than 3 text messages per minute (or something like that) on XBL. simple

Yes. That would be an ideal outcome, but how do you propose they do that? Social media, comment sections, forums, messaging services all rely on the people who receive these messages to report and block the sender. Do you
want Microsoft to read every single one of the messages you send and receive, just in case someone says something hurtful towards you? Do you want Microsoft to listen in to every conversation you have over Live, no matter how private and personal your conversation
is? Because, that is the only way they will be able to see these messages without you reporting them.

We shouldn't have to do that. MS shouldn't be letting random *** send out mass messages to people that aren't on their lists. Why the hell should I cut myself off from everyone because MS is too lazy to simply put in some anti-spam functions!?

You can stop any spam messages by simply setting your communication settings to "Friends only".