The part about encrypted chat is very odd; as Tateru says, there doesn't seem to be anything in the ToS forbidding it, unless it's some reallllllly liberal reading of 6.2, which basically says that the Lab can eavesdrop. Interpreting this as forbidding things that would prevent the Lab from eavesdropping would imho be a big stretch, though.

Business users do like the idea of encrypted chat. Not everything fits naturally behind the firewall. If I want to have a meeting with a potential customer in which I mostly show him public stuff, but might want to segue into more confidential negotiations if things go well, being able to do the demo in SL and go into encrypted IM for the confidential stuff might be very useful. Letting a customer inside the corporate firewall isn't something one does lightly. Corporates would also like encrypted voice for the same sort of reason. Beyond that going behind the firewall is probably the most natural thing, although there are some other interesting kinds of privacy that one might sometimes want to have while still being on the main Grid. I hope LL isn't going to unthinkingly forbid all of that...