I'd like to make a suggestion.

There probably are some people, who prefer to lend their coins on btcjam and remain anonymous at the same time. (I am one of those.) However, current rating system does not allow such people to rate other users, as the credit rating stays 0/17, while 3/17 is required to rate other people (correct me if I am wrong). Would it not make
sense to (also) give the priviledge to rate based on some combination of bitcoins invested and reputation?