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Its a UK thing.
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So if I called you a dфck, would it be an insult!
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The same reason f*ck is (and the variations, such as mother...well, you get it). But isn't that how everyone was created? You could argue this for practically [b]every[/b] insult. I can say excrement, but not sh*t? I can say female dog, but not b*tch? As you can tell, the argument for this is endless. Best explanation is...because it is.
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Because you touch yourself at night... literally...