My take on this:
As a reminder morals can be simplfied as: the most damaging thing is when we value a social construct or object over the lives or well beings of others.
It depends on the cultural influence of the individual, some may find it offensive and some may not, some may find what your stereotyping to be accurate and some may not.
It is for this reason that you must know the individual properly in order to know what level of stereotyping is acceptable.
I will use an example that some will find offesive at first glance but please note this to create understanding.
To clarify, I am a white guy in the UK and this is my interpritation of how I see this subject:
The word nigger has a unethical history to say the least, it has negatively influenced nearly every black person on the planet with its history and meaning.
Then you have the word nigga, a word used/popularised in black rap and gang culture with the meaning I can mostly describe as a brother of the same background.
This leads to a divide into how people wish to treat using the word nigga, black ethnicities who don't wish to make rap or gang influence apart of their culture would call it offensive.
While black ethnicities who are influenced by gang or rap culture accept the word nigga as a means to call someone brother of the same background. (in most cases)
This is why the word nigga itself to be used with all black ethinicities is stereotyping because its generalising the whole black community when there are different cultures.
This stereotyping, assumption or prejudice of culture is what can lead to dispute/arguments.