I saw a hoe talking to my boyfriend. Lucky for me she wasn't on my level.
I feel like calling a woman a hoe is insulting, don't you?
I do.
Referring to other women as hoes is damaging to your fellow women. Even if they have bad intentions, you should find out if they truly are trying to harm you before labeling them with such a derogatory name. You might not have anything to worry about in the first place.