```java
import org.codelibs.fess.suggest.settings.SuggestSettingsBuilder;

SuggestSettings settings = SuggestSettingsBuilder.builder()
    .arraySettings(arraySettings -> {
        arraySettings.setDefaultBadWords(new String[]{"spam", "inappropriate"});
    })
    .analyzerSettings(analyzerSettings -> {
        analyzerSettings.setReadingAnalyzer("kuromoji_reading");
        analyzerSettings.setNormalizeAnalyzer("keyword");
    })

        SuggestItem item = new SuggestItem(text, readings, null, 0L, 0L, 1.0f, null, null, null, SuggestItem.Kind.QUERY);

        // Test with no bad words
        String[] badWords = { "spam", "illegal" };
        assertFalse(item.isBadWord(badWords));

        // Test with matching bad word
        String[] badWords2 = { "test", "bad" };
        assertTrue(item.isBadWord(badWords2));