I've known people like this. If at all possible I avoid them because their nasty comments upset me, even when those comments are not directed at me. There are some people who have the idea that voicing whatever thought comes into their heads no matter how cruel is healthy (because they are not 'keeping it inside'). I'm of the opinion that nasty comments breed more nasty comments, til the person gets into a groove of nasty thinking.

I agree with not allowing children to call other people (or themselves) 'loser.' I would rather spend my life in happy interactions with people. Spouses should build each other up, not tear each other down.

That's my take on things.