What it takes to get "reported"

So here's my beef, as far as the game is concerned when you go to report a player you have several options, one of them I think is "Unsportsmanlike" which ranged down "Passive aggressive". So me saying "Ha! nice grab blitz" is a reportable offense, but of course would never bring any real consequences. (So not sure why it's even there) But there's a MUCH bigger problem that I Want to talk about, and that's the "hate speech" check box. We all know what hate speech is, it's very easy to pick out the difference from normal insults to straight hate speech.

So heres the thing, when I'm in game with someone saying things like "I haven't seen anything this dumb sense 9/11" or "Man I haven't seen something fall that hard sense the twin towers" I want to know how on god's green earth that's NOT a reportable offense.

"Hate speech" noun 1. speech that attacks, threatens, or insults a person or group on the basis of national origin, ethnicity, color, religion, gender, gender identity, sexual orientation, or disability.