Comment by Diamons

You are arguing that an ad hominem attack is by defacto incorrect. Ad hominem attacks provide context and explain how your point of view can be clouded or misguided.

Ad hominem attacks have been and always will be useful tools in debates.

Example: If you are rich and believe that the poor are lazy and always asking for handouts, it would be beneficial for someone to make an ad hominem attack towards your character and background as a wealthy person to help you see why your statements are biased.