The way the rating comes across to me as Hilariousandco being vindictive because he was overruled on the decision to unban that guy.
If hilariousandco removes his, and I add a new rating, would that fix it? Oh right.

I disagree with the rating, and think it shows poor judgment, and I am posting that opinion.
You think wrong, and are likely not going to find anyone who agrees with your bullshit.
I think you should do the right thing and address both the lauda and loan shark issues.
The "lauda issue" has been already addressed by not listening to your biased complaints that have almost nothing to do with reality, and so has the "loan shark issue" with the negative rating.
I wonder how you related to mr. Loan Shark and what your ulterior motive here is (other than the title of this thread).