This article is overblowing things and stirring up fear. They're not monitoring Skype conversations. Someone would have to report you for something you said to them, first of all. Second, the fears about losing access to your OS or Office are unfounded. Example: even IF you manage to piss a bunch of people off on XBL and get temp banned or something, you only get tossed off XBL.
Anyway, while I disagree with the de facto censorship all the big sites and companies engage in, consider this: Google, Apple, all the big social media sites, and Tom's ALL have clauses about hate speech and can temp or perma ban you. This isn't anything special or new, unfortunately. Heck, Google recently got in hot water for flagging users documents and locking them out. I don't think they should be digging through your docs or emails at all, personally. But like I said, I'd rather all the big firms embraced free speech a little more.