It is not okay to insult someone's physical appearance.
Dave is at the gym when he notices that Bill, who is quite obese is working out next to him.
James wants to make a comment to Bill.
James tells Bill that he was once new too and would have appreciated some help back then, so if Bill needs anything he can ask.
James tells Bill that right now he looks totally disgusting right now, so he should keep at it at the gym.
Bill is surprised pleasantly by James' offer of help and feels like this will be a supportive place to try to get in shape.
Bill is insulted to be called disgusting and is sad and self conscious about his appearance.