A word is just a word and whenever it insults somebody it's their own problem.
There was a study linked to on HN a couple of years ago that found that babies recognize swear words even before they have language skills, and that people can sometimes recognize swear words in languages they don't speak. It has to do with the tone and sharpness of the sounds.
Babies are recognizing the act of swearing at someone rather than the particular word being spoken.
The baby wouldn't experience the father's name as a swear word unless the conversation was for example about the dicks new girlfriend and his wife's assessment of the matter.
There was a study linked to on HN a couple of years ago that found that babies recognize swear words even before they have language skills, and that people can sometimes recognize swear words in languages they don't speak. It has to do with the tone and sharpness of the sounds.