Accidental sandbags and "justified" bm and toxicity in the game

You know when after hundreds of hours and once in hundreds of matches it happens to a person to drop a pallet, without realizing that a short sighted team mate just popped into the wrong place at the wrong time, while you are looping the killer indoors ?

A genuine mistake obviously but then it ends up with the survivor and killer teaming up , tbag while you are downed, holding you hostage on the hook so nobody can save you and then wish d***h to you and your family in the chat…

What are your experiences with this ? Is this how it goes for you too? And do ToS rules no longer apply in game if you "think" someone sandbagged someone ?