That entirely depends on how you use it and what servers you're in. I'm a pretty avid discord user and I would say that does not describe my experience at all

I have no idea, I don't use Discord much, just a few specific servers/channels that aren't harmful. I haven't noticed Discord being harmful in general.

Never used either of those things

no idea, i never used discord

Could say the same about reddit or any other us dominated place in the interwebs where Americans insult each other. Fever dreams galore.