Attempting to bypass the filter may work, the filters can catch a lot of attempts, but when reported the member has no excuse for intent and could get a more severe result.
The filters warn members that something in their post in not acceptable. So abusers that don't get the message will be muted or if they try and get creative will again likely see a harsher penalty when reported.
Just allowing everything and anything isn't a viable solution.
The filter rarely works against people who bypass it. You can just put a space after each letter to type an abusive word and the filter doesnt track it.
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.