well most people rely on three terms (perhaps wrongly and perhaps unprecise but it works): muslim(momins, general obeyers), munafiq (grey area, commit major sins but god is ultimate judge) and kafir (includes quranic description of munafiq + all non believers)
its you who has used the term kafir more then anyone else, and if you knew these other terms (fasiq/fajir) why didnt you use them?
all other posters have refrained from directly calling anyone kafir
some unislamic practices have become accepted in some sections of our society. doesnt mean they are acceptable in islam