POV vs NPOV

Where does the debate of Point-of-view versus Neutral-Point-of-view end? Where is that line that marks the end of one and the beginning of the other? When a psychiatrist states his patients are suffering from delusions, does he mean his patients are crazy? I read lately that american teenagers are rebellious than others, was that offensive to the americans? Bengladesh topped the list of most corrupt countries, is it derogatory to the natives of that country? Is calling the mid-east an oil rich part of the world insulting to the people that are not able to make ends meet in those countries? Stating that black people are far less educated than their fair counterparts, is that attacking the colored folks? Studying history of ruthless caste system in India, is that calling all Indians racists? Working for the betterment of poor children in palestine, is that anti-semitic? Recently i heard that the animal rights activists were protesting against the verbal abuse and degradation the animals face in the current world. They thought that the statements dirty like a pig, wild like a hog, smart-ass etc. are insulting to the animals. Sure ... my apologies!!!