They’re not talking about texting apps, it’s keyboards and speech to text engines that often have a profanity filter, which usually is on by default.
I disable it on everything every time I change phones or format, but not everybody tinkers with settings.
You probably default to a keyboard without profanity filter.
I don’t mean to intrude or push in any way, but your story sounds familiar and I found Running on empty to be an interesting read, if you ever feel inclined.
Good luck.