Getting back to the original "moron" comment that set this off, here is a different comparison:
Calling someone a moron for having a speargun fish hunting accident when we don't know the circumstances, (just because ANYBODY that has an accident is a moron because training magically prevents all accidents with spearguns) is using a cattle prod in conversation.
Calling someone a moron for having a nail gun fish hunting accident, (because they wanted to hunt tiny fish), is not going to stand out among all the other people piling on the insults.
Could the take on this be, limit the name calling to illegal, uncertified equipment and actions?