My main issue with this is that you completely ignore the "Neutral" rating; which is terribly overlooked IMO.
I personally see Neutral as a tool for notes on the account/users behavior whether positive or negative, but not a scam/trade dispute.
Thanks for the compliment and great suggestions. My bad I ignored the neutral rating in this post but in my defense this post was as a repond to DdmrDdmr reply on my previous post as qoute above (in OP). Although when you think about it the neutral tag aren't been used that much but I understand clearly when you say "ratings not coming from trade but actions/behavior of user should be rated as neutral not positive feedback. Therefore your reply will be highlighted above (in OP) for better visibility.