I certainly can sympathize but allowing people to accuse someone of being*one of the filtered terms* or that you wish they get "another filtered* word seem much more problematic to me 🤔
If one of these is a another word for a for paedophile, it seems very silly to ban it; because it stops people from accusing actual paedophiles of being paedophiles and warning people about them.
As someone has already said, there are children on chess.com ; stopping people talking about risks to children is not going to be good for them.
One of the guiding rules is be kind
https://www.chess.com/legal/community
Yes, the site is very multi-cultural but cultures that may , in general, be more open to certain types of speech, does not mean the site should allow everything
Regarding automation and stopping the post, if the system did not mute after some warnings then a more casual abuser could just keep trying combinations until they finally bypass the feature.
I'm pretty confident most filtered terms, and subsequent mutes after multiple warnings, is unlikely to change. I've previously mentioned that it's my understanding that there are plans to implement a more context sensitive processes but my guess is the prevention and mute process is unlikely to change.
The vast majority of members that get caught by the auto-mod are not ones using terms in a way that's not abusive.