In my book, intention means a lot.
Every now and then, the N-word-discussion arise in Norway. It usually starts with some public figure using the word, and some other (black) public figure takes offence. Then all TV-studios are filled with 50% people who take offence and 50% people telling the other half that they should not take offence, as they don't mean any disrespect, by calling them the N-word.
If you use a word or say somthing that a culture, religion or ethnic group regards as disrespectful, but you didn't mean any harm with it, then you have done nothing wrong.
If you use a word or say somthing that a culture, religion or ethnic group regards as disrespectful, and you know that they regard it as disrespectful, but you still use the word, as you're amused with the fact that they regard it as disrespectful, then you've done something wrong IMO.
If you use a word or say somthing that a culture, religion or ethnic group regards as disrespectful, you know they regard it as so, but you mean to show disrespect, then you've allso done something wrong IMO.