People Are Watering Down The Meaning Of "Hate Speech"

I feel like a lot of people are watering down the meaning of hate speech.
Often when I see people questioning certain things or why they disagree with something, like for example transgender, instead of getting any actual answers to clear up the confusion, they're labeled as a transphobe with some claiming that their post is hate speech.

A person discussing why they disagree with the idea of transgender or questioning the idea is not hate speech.

A person saying "all trans folk are groomers and deserve to die" is hate speech.

I'd also like to add on that there's tons of other words that I feel are being watered down or being used incorrectly as well. For example, I've often noticed that the words "Nazi" and "fascist" are used incorrectly and people just simply use them to mean racists, homophobes, etc. Yes, Nazis were definitely racist, but it's not the other way around in the current world. People are using those words incorrectly and are basically dissolving the actual meaning of those words.