The function of the frontal lobe involves the ability to recognize future consequences resulting from current actions, the choice between good and bad actions (or better and best), the override and suppression of socially unacceptable responses, and the determination of similarities and differences between things or events. - Wikipedia.
So yeah, she might be a bit short in the frontal development department. My phone tries to tell me pay isn't a word. I doubt her phone magically added slurs in of it's own accord.
Just for testing, I checked if any such words are listed in my phone's selections. Nope. Not buying, thank you.