In terms of unkindness, I see plenty of people on this site being unkind, both those who are intelligent, and those who are ill informed. If MN were going to ban for unkindness, there would be a mass banning
It's not about being unkind.
If in real life I walked up to a disabled person and told them they were a scrounger drain on the comunity and why should I as a tax payer fund their glass half empty approach and what the hell were they playing at thinking they needed disability aids.
If that person could prove I had said it I could be arrested for a hate crime