It’s not even an insult, it’s just not consenting.
If this went for real life scenarios, take this for instance.
“Hey, babe?”
“Yeah?”
“You wanna do it tonight?”
“Nah, I don’t feel like it.”
“WHAT THE F**K IS WRONG WITH YOU?!”
“What?!”
“You insulted me!”
“By doing what?!”
“You said no!”