Politics and religion are very personal topics so it makes sense that things get heated. However, there are ways to tell someone they're wrong, they don't make sense, etc., without giving in to personal attacks. Some posters, however, have a lack of communication skills; so, when they believe something is wrong or doesn't make sense to them, a basic tactic is to be personal. Furthermore, personal attacks are generally the last phase of any argument. If each side has said what they want to say and neither side has conceded, insults flow.
I don't think the politics and religion forum should go to the woodshed. Most people realize they can't be insulting right now. If it goes to the Shed, we can be insulting all we want, and debate will clog like a dam.
If someone is attacking you and not your post, the most logical thing to do is hit the report button. Sometimes I wonder if people realize they can do this. You can report any post and give a brief description of why you reported it. If you feel someone is personally attacking you or another poster, report the post. Admins and Mods can review the situation and decide whether the poster needs a warning, temporary ban, perma-ban, etc.