It's not discord themselves who enact the harsh moderation (which quite often includes bots banning some words, with punishments from alerting a mod to banning you for a bit), but rather server "owners" who risk platforming if discord deems them unable to police themselves. The problem is, that discord uses certain criteria to determine if a server is able to police itself, and those criteria happen to be fairly harsh on repeat (even if swallowed by the noise/message stream) disability mocking.

I'm criticizing the incentives Discord's polices create for moderation.

I'm sorry my wording was bad. I certainly did not intend any FUD spreading.