I often wonder what goes through the mind of someone who decides to use a 'curse word' such as fuck and decide to censor it by inserting characters. This seems ridiculous especially here on Kinja where such usage is not only prevalent by the commenters it is used in the titles and content of articles by authors.
So why do it? There is no community standard against 'bad' language and there's no consequence for just writing it out so the function of those words is moot. If the idea is that putting in substitutes is a slick compromise that's dumb. Either you want to say the word or you don't. If you don't then why use it? There are plenty of hilarious insult words, verbs, and adjectives that can be used for synonyms of swears. Use those! They can be way more offensive and the only characters you need are for your punctuation!
So go ahead. Type out the words. We can handle it.