Toxic in this context means rude, disrespectful and unreasonable. Insulting and offensive are just as subjective as rude or disrespectful. We just have a cult

Toxic in this context means rude, disrespectful and unreasonable. Insulting and offensive are just as subjective as rude or disrespectful. We just have a culture of "sticks and stones" and people who leave toxic conversations are called "snowflakes" and told to "grow thicker skin".