Saying your take is dumb is not the same as saying you're dumb. So never did an ad hominem.

Thinking something as ridiculous as there should be no billionaires is envious and bad.

One should be more concerned on how the money is made not how much.   

 Your opinion is not fact. 

 Perhaps,but it is based on logic and experience.  I can not say the same for yours 

 Without knowing me or my experience you have jumped to a conclusion of what you think my reality is. 

 I didn't give one thought to your reality nor will I, I'm just calling bullshit on bullshit opinions.