If you watch lending for example, there are threads created daily asking for 2-3 bitcoins with 14 posts and nothing for the loaner to hold.
Just getting that aspect to stop would allow serious loan threads to be read. Once someone is over jr. member they will be less likely to ask for a small loan because they have ability to carry a signature.
Would taper off scamming a little. Also more posts to guage someones trust worthiness.
Do not see it as a attempt to create a business wall for new accounts to climb, like say leaving negative trust for not knowing the rules.
Well a great example of a lot of Newbie loan requests for ridiculous amounts of bitcoin and no collateral was when ManyProofs was around giving out loans up the yin-yang. That REALLY clogged up the Lending board. I'm not sure if he was loaning out
BTC to alts of himself or if he was really giving out huge amounts of money to Newbie scammers, but eitherway it made it tough to sort through and look for valid loan requests.