When I see this random girl, I am going to refer to her as "loser".
Why would you refer to her like that?
Because she is a loser and she doesn't deserve my sympathy
Whether or not that is true, you shouldn't talk to someone like that. Calling a person a loser is wrong. Imagine how you'd feel if someone called you that?
I'm going to use my "free speech"
Your free speech just means that you can say what you want, but society doesn't think that you should. You'll be considered mean and everyone will just assume that you're a bully and judge you for it.