Nasser Hussain believes Eoin Morgan should have made himself available for England's tour of Bangladesh and is disappointed Alex Hales has also opted out.
The England and Wales Cricket Board (ECB) on Sunday confirmed limited-overs captain Morgan and opening batsman Hales will not travel to Bangladesh next month due to concerns over security.
Wicketkeeper-batsman Jos Buttler will skipper his country in three one-day internationals against the Tigers in the absence of Morgan, who refused to commit after a recent terror attack in Dhaka.
Hales also decided to sit out the tour, which includes two Test matches, and former England skipper Hussain has mixed views on the matter.
"It's disappointing for England with the way they've played one-day cricket," Hussain said in his Sky Sports column. "The opening batsman Alex Hales has been instrumental and a driving force in the turnaround in English one-day cricket over the last 18 months.
"It is an individual decision, whatever the ECB say about security - Reg Dickason [ECB head of security] is a very good man but whatever he's said - no one can guarantee your security anywhere in the world at the moment.
"Personally I think the captain should be there, I think a captain in charge of a team should be there with his team but I fully understand the decision that they've made."
Hussain said there can be no guarantees that the duo will regain their places in the side with a tour of India to come.
"They leave themselves open - if someone, Jos Buttler for example as captain, does well and whoever comes in in that middle order, whether it be Ben Duckett or Sam Billings, does well then Eoin Morgan will have to fight for his place back," Hussain said.
"However well he's done as captain, however well he's driven this side forward, you do leave the door open. It's a decision he wouldn't have taken lightly.
"He's his own man, he makes his own decisions - he won't do what everyone thinks he should do. It's a difficult decision for him."