Calling someone a coward is insulting regardless. Let's not put that label on folks near the edge - you have no idea what they dealing with. It might bring you to your knees far earlier.
Absolutely 100%. We hear it all the time though. And imagine how hurtful it is for families and friends to hear that drivel about a loved one. Makes my blood boil.
It's not about putting a label on anyone. It's about making sure it doesn't inadvertently become a model for others. No counselor or friend is going to be there when they are alone and make the decision.