Not really pertaining to seduction, mostly just lifestyle.

Sometimes I feel like I'm being way too laid back and I let people say stuff I shouldn't allow. A lot of the time it's banter and I usually respond in kind but sometimes I question how serious people are being. When I call them out on it, retrospectively I sometimes wonder if I was being too sensitive. How do you guys draw a line on what comes under banter and what is just straight-up disrespectful?