The problem with the ever expanding list of what people deem negative rateable, is that in a lot of these cases there is no evidence, it is left to the judgement of the individual. So essentially you have a bunch of people running around as judge jury and executioner with no recourse for those swept up in it wrongfully. In the end all this results in is making the negative ratings meaningless anyway giving cover for actual indisputable fraud. You don't have to like it or agree with it, that doesn't mean you should negative rate over it.
This whole "well what about this and what about this" game is simply an attempt at making it look like the sky will fall if we don't have a huge nanny state full of wanna be forum cops shotgunning negative ratings. Freedom and security are exclusive concepts, and your goal of absolute security is unattainable. Lets stick to what can and should be enforced and leave the nitpicking to the lice infested before these trust mobs demand rectal inspections before they give you permission to use the forum uninhibited.