He does not say "heresy cuts you off..."

He asks, "And if a member be cut off..." Can a member (i.e. hand, foot, finger) cut itself off? No, a person does such, by sin.
So, logically, how is a member "cut off" from the Church? Answer: Heresy or schism. Therefore, heresy/schism cuts one off from the Church (i.e. membership).
Yes, yes, Fr Wathen said, "once a catholic, always a catholic" but he was speaking of POTENTIAL membership. No baptized person loses potential membership. But Heresy/schism concern ACTUAL membership (i.e. current status). And such sins (and the accompanying excommunications) put one in a state of spiritual 'time out'. Potentially, the person can get out of the 'time out/suspension' anytime they want (i.e. repentance), but until they do such, they are *treated* as being outside the church. They can get back in the church anytime they want (an unbaptized person is not part of the church, in any way), but if there's no repentance, there's no membership.
Analogy: A person who passes his driver's license test is a legal driver. But they could lose their license (it's suspended) if they repeatedly violate certain traffic laws...even though they are STILL a legal driver. They can get their license re-instated if they pay the fines and admit guilt. If they don't, then their status as a 'legal driver' remains suspended.