I don't think the OP is passing blind judgement or implying that he would be calling someone "an idiot" to their face for not contributing to a company 401k program that has matching contribution. But what you did was twist the meaning of the OP's response so you could throw in an insult and correct him at the same time to make yourself look superior. Classic inferiority complex.

Additionally, it is common knowledge that IF a company offers a 401k program, regardless of the amount, it is financially prudent to contribute to get the maximum match and not a penny more. There are far more economic instruments in the industry outside of 401k programs that have greater yields, so if one has the economic resources and wherewithal after making the maximum 401k match any additional contribution amount should be deferred into those programs.