Yeah, see, I don't think this is about whether or not I get "out" or not. Perhaps this is the case in some places. I can promise you that it's not the case everywhere, and again, if you find those words tossed around in a way you think to be is too casually, perhaps it's a reflection of actions and language that is common? It might require a little more reflection than some are willing to put in, though.
And just as a side note, it kinda bums me out when people first question why someone dare call them out as such, instead of considering what they are doing or saying that might cause someone to call them such. A little self-examination can go a long way, but so long as people think they can never be in the wrong, they will continue to think it's worse to be called racist or homophobic than to act in a way that causes them to be called such.