Hate speech is, outside the law, speech that attacks a person or group on the basis of attributes such as gender, ethnic origin, religion, race, disability, or sexual orientation. Regardless of your feelings on legislation about said speech, I would put forward that using hate speech is - at best bullying.
If you were at a soccer (football) game where your kid was playing, and someone slung imprecations about any of the above, would you consider it 'just part of the culture'? If your wife/girlfriend/daughter was playing WoW, or even Minecraft and someone called her a 'stupid cunt', would you tell her to just brush it off? Or would you want to reach through the Internet, grab a handful of the other guy's shirt and tell him in no uncertain terms to shut the fuck up?