You use the term "jerkoff" as an insult. You have never seen the person in question masturbate. It implies that everyone who masturbates, or "jerks off" is somehow a belligerent, insensitive macho man. I can attest to the fact that even normal people, male and female, engage in the act of self-pleasure, and would be offended at the use of the term "jerkoff" in such a derogatory manner.
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