WolfishMusings – that is an insult.
Why? Do you think that intelligent people (and even righteous people) are somehow immune from making very poor (and, yes, stupid) decisions?
An insult would be calling the person stupid him/herself. I did not (and would not) do that. But calling a specific action stupid or wrong is not an insult.
Just to bring the point home — my mother smoked. It was a stupid thing for her to do. But she, herself was not stupid.
The Wolf