> He's not attacking his person and it's not ad-hominem, he's saying the guy is basically a moral hazard, he is advocating for policies here that he won't have to suffer the consequences of.

That is ad hominem -- specifically, ad hominem circumstantial [0] -- and lies at the nexus between the genetic fallacy and appeal to motive.

[0] https://en.wikipedia.org/wiki/Ad_hominem#Circumstantial

You are a MORAL HAZARD. That is not an ad-hominem. But seriously, I thought we all share the same planet and thus share the consequences.

Get real. The consequences (whether they are good or bad, I don't know) are obviously more relevant to those actually living in the country than those shouting what to do from the other side of the planet.

I think you're missing his point.