The majority of ratings seem to be warning people about red flags, not punishing provable scams. IMO this isn't a bad thing, since once someone has scammed, it's kind of too late.

What do you think about splitting the scam rating, with a "warning" rating for scammed previously OR you strongly believe that they will scam in the future, and a "scammer" rating for scammed previously AND you strongly believe that they will scam in the future? And then if you only have warning ratings, the indication displayed next to posts will be softer.

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I think that you and I have a fundamental disagreement on this stuff, though:

Predictability and guidelines are often good. I wrote some Trust guidelines recently, and I may write more. But I don't believe in having a set of hard rules which is to be applied to all cases. Whenever an argument starts looking like it was written by a lawyer, or relying overmuch on precedent, you've stopped thinking about the real case and have started using rules to retreat into moral and intellectual laziness, divorcing yourself from the decision you're about to make. If you're making a decision about a case, then you're responsible for that case, and you can't say, "I don't agree with it, but I was just enforcing the rules." Every case needs to be handled individually.