My two cents:
I never understood the point of personal heckling. Who does that? I have never. Sure, you boo the opponents. But shouting insults at individual players? No need for that.
I am skeptical when a player claims a fan shouts out the N word, yet no one else hears it. I'm not saying it never happens. But I think more likely than not it doesn't happen.
But I understand why an NBA player, or any professional athlete, might make the accusation. He gets tired of some entitled fan seated at or near courtside shouting personal insults at the player. If he complains that he is being yelled at, the teams really don't do anything about getting rid of the obnoxious fan. But if the player says that a racially derogatory term was used, the guy gets tossed. Frankly, if I was in that player's shoes, I would consider doing the same thing.
If teams put an ban on all personal heckling, this problem would get solved in two seconds.