Okay but how is it used in society? I don’t know many people who refer to Websters. Notice your Webster’s doesn’t include the insult usage.

I see your Websters and raise you Urban Dictionary:

> That guy who makes us shake our head in disbelief but at the same time makes us feel better about ourselves since we are not him.

Please consider social and modern day usage as well when discussing English words.

Also 1913? Wow.

> Notice your Webster’s doesn’t include the insult usage.

What exactly do you think

> a word of reproach

means?

righthand is right about that one. 1913 Webster's says it's a word of reproach, but the example that follows is obviously not the modern insult, which doesn't even have an instrumental sense.

Webster's dictionary currently glosses this sense of tool (n.(1)(3)(b)) as "a foolish or unlikable person : JERK".

( https://www.merriam-webster.com/dictionary/tool )