How is it insulting? Really? A "habit" can be changed. Stuttering can not. You can not rewire your brain. No amount of speech therapy will remove a stutter. You may get to a place of fluency where it becomes undetectable, but it will still be there. To call stuttering a habit, quite frankly, is insulting. Calling it a habit implies that the person has full and complete control over their stutter and can dictate their own course of action. If that were true, NONE of us who stutter would ever stutter again.