Also, I totally didn't mean to use othering language there. Them=members of the minority group in question, be they racial minorities, disabled people, women, etc. Basically, there's a quazi-consensus in the homosexual community (and academia, which is a rant for another occasion) that "Queer", for example, is an okay term for general use to apply to people who are QUILTBAG, but there's no consensus that "Crazy" can be used by the general public.

And in order to not be further oppressive, offensive, and harmful, the majority should defer to the minority for control of words that have and are used against them. Not to mention, if you can't think of an insult other than "Crazy", you're not very creative. My favorite is noob, because video games are awesome (and it implies that the sucky person can change!).