Honestly, I’m not fond of that sort of content/those sort of people either, but based on my experience, it’s MORE important to have a clear, bright-line test for content you don’t like or are personally offended by, because you’re more likely to react emotionally when you see it. And the problem with a “disallow people saying things that are -ist” policy is that no two people will agree on what qualifies. So drawing the lines around behavior and what people are doing with their terrible opinions, rather than a moral judgement about the opinions themselves, makes it much more likely that two random people will agree that this particular thing is against the ToS, and more likely that we can make people understand exactly how and where the lines are drawn, which is seriously important.