Let's be real here. Don't say "gay means happy" because the word does not mean the same as it did in the 19th century. In today's vocabulary we've got a double meaning for the word gay: one for homosexuals and one is akin to something that is dumb. If you replace "gay" with a different minority when attempting to insult something it just doesn't come out the same way. When it is used it is not used in a derogatory way towards homosexuals--unlike another three letter word beginning with F--it is a word that this our generation has adopted a double meaning for, like it or not.
When people discuss this topic it's always like, "I hate when people use the word that way, it's so upsetting to gays!" yet I don't know a single gay person that gives a ****. It's the straight people that are all "supportive of gays" who care. By censoring the word however you are (in my opinion) pushing the negative connotation of the derivative onto the sexuality (gay is bad, essentially) and that kind of namby-pamby solution is what keeps the problem you're trying to address alive. People aren't going to abide by your filter, they're going to evade it, so all you're really doing is carrying the connotation. There is a purpose for a cuss filter on this game, but the word "gay" shouldn't be in it. That is why it isn't in the large list of words that are in this forum's filter.