yes and yes.

both words convey the meaning of delayed beyond expectations.

retarded as pertains to cognitive capacity and tardy as pertains to timeliness.

a noob no coiner with zero time spent studying, is just ignorant, not retarded.

a no coiner with a few hours of study is retarded.

shit coiners new to crypto are ignorant.

shitcoiners who have been around for a cycle and huge retards.

“retard” is not a moral condemnation

it’s a morally neutral descriptor, no more insulting than saying you have blue eyes or are 6 feet tall.