You could do it with awk like:
awk '
NR == FNR {w[$0]="";w[$0]; next}
{for (i in w) if (index($0,i)) delete w[i]}
END {for (i in w) print i}' file1.txt file2.txt
By using index, we're looking for substrings rather than matching regular expressions.
Because we delete the word from the array as soon as we find a match, we avoid unnecessary searches.