No offense taken. Most of the time, if someone is out to make a quick buck at the expense of other users, he'll do so in a short amount of time knowing that if he fails, he can simply create another account. Because of this any negative ratings often have to be levied as quickly as possible to mitigate any damage that a scammer might inflict. There are a number of indicators that I go by when evaluating whether someone might be up to no-good or not. However, one's Trust rating (at least for me) is an ongoing process, not an final evaluation. Just because someone might have a negative rating yesterday doesn't necessarily mean they won't redeem themselves tomorrow. And vice versa, just because someone has deep green Trust doesn't mean they won't pull off a scam later on down the road, as we've seen with a few notable cases in the past.