My theory is that lots of people are quite sheltered.

Yes, this. I once saw someone claim that some fic that approriated some disaster or another was the most offensive thing they had ever seen, and I only barely restrained myself from leaving a comment to tell them to watch the fucking news sometimes.

Yes, the fic was stupid and offensive and deserved all the mocking and scorn it got, but you have to be pretty out of touch from reality to call it the worst thing ever.