With all due respect to Colin Bell, he knows the survivors personally, and he most likely knew or at least knew of some of the less fortunate. I respect that he feels "Munich" should not be sung in a terrace chant, because to him I can see how he would find it offensive - as no doubt the thought crossed his mind as he was on an international flight with his club/country team-mates.
My view differs though, and ultimately it is about a person's perspective of United, and what I see during my lifetime, is the way that the rags have shamelessly and tirelessly exploited the death of these people to maximise media exposure, to ensure a continuous stream of sympathy from the wider world in general - plus the very people who shout the loudest about City fans using the term know absoutely nothing about the facts of the event and aftermath. They seem to believe that having had a tragedy 50 years ago elevates them to a level where they deserve respect and admiration because of this fact alone.
This is the very point I made on Tuesday to a group of rags who were discussing City fans in the pub. I never tried to justify the use of the term, yet the bile I got hurled back at me with their twisted and contorted faces reinforced my point exactly. The very suggestion that the club try to cash in is greeted with abuse - despite the clear evidence of "Munich day sponsored by AIG" incident amongst others.
To most United fans, and in fact to most living people, the actual events of Munich are as relevant to them as a fairy story, and their understanding of it is limited to the fact that some very good people died. The total and utter refusal to admit that without Munich, Manchester United would not be the global force they are today is the biggest show of disrespect to the dead - and it is the United fans who commit that sin by not accepting the Munich disaster defined their club.
If Munich defined their club, I therefore see no issue with defining a United fan as a Munich - it is not disrespectful to the dead in any way shape of form, it is disrespectful to their fans, and that is the entire point.