Question about chat restrictions

I have always wondered why do people get chat restricted when they answer to flamers or why if 3 premades report you, you get instantly chat restricted. I really don't get it. For example in my last chat restriction I was flamed non stop by 3 premades in 2 games who went 2/30 in 20 min and just because i answered something like " it is not my fault u lost lane since you had 0 wards" i am being toxic. I really don't get this so help me understand how telling someone to stop flaming you and use his wards is flame?
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