There are very few ways you can insult someone without throwing a whole group of people under the bus that don& #39;t deserve it.
This notion that they would have to "deserve it" basically means that the only valid and unproblematic insults are ones targeting moral character - "jerk", "asshole", etc. Maybe more nuanced character flaws like "willfully ignorant".
But even these could arguably be made problematic by recognizing that a person& #39;s agency over their own behavior is limited. Sometimes a person is an asshole due to a trauma response, or willfully ignorant because they& #39;ve inadvertently built their self-worth on a falsehood.