[dang]

"I know that you are the problem" is obviously a personal attack. Ditto "Your [...] bullshit adds zero value to society". Ditto "Your greed to the detriment of everybody else". We ban accounts that post like this, so please don't do it again.

If you'd like a heuristic to assess whether you're doing that or not, I'd say it's the combination of denunciatory language with second-person voicing (i.e. explicitly or implicitly addressing "you").

None of that has to do with making an argument - it's just directing aggression toward the other person. If you'd like to make your argument in a principled, neutral way, that of course is fine.