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Why aren't we allowed to call insane people nutters on this site?

I have seen a few hidden comments with that word in them. I take it it is no longer politically correct to use that word. Am I right?
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twiigss · M
Okay so I've heard the term, "gypsy", and I've heard it in reference to mostly women who steal and who are con-artists, who try to trick you/thievery and they're mysterious, they lie about who they are and etc. etc. Anyway.... I was telling a story to a coworker and I mentioned the word. They said the word gypsy is derogatory. I said, how so? What word are you supposed to use because I've always taken it as gypsy explain a certain kind of person, and I've heard that term for years and years and never once heard anyone say it's a derogatory term.

That would be like saying, those men on the side of the street with ratty clothes are homeless, and then saying the word homeless is derogatory, then how would you explain how someone is homeless? That's what I was trying to make the point of in the conversation. Gypsy explains a certain kind of person, as does homeless. They said what the other word to use is but I forgot because to me gypsy is the word you use to explain a certain kind of person.

Ohhhh now I remember while typing this all up, another co-worker and their mom were both working at the place I do, but then quit. But the way they acted, they would lie about stuff, things would go disappearing and never show up again, I said they are gypsy's and I was told that is a derogatory term. No, it's not. And I don't really care what the "politically correct" term is.