I think as you post more in Discourse, you gain "trust" levels and that opens up more abilities. I'm guessing as you become more active on the site that limit will go away.
And yes, we are running into the same censor every time we type assess or association or passing, etc! When one of the mods has a chance, we'll figure out how to adjust the censor.
OH! Just found something new. If you type : (first code for a smiley) it brings up a drop down menu of all the smileys you can use. You can narrow your search by spelling out the word you are looking for. I typed :h and then saw heart, for example.