Accounts here are worth exactly 0 BTC, you should have no expectation otherwise. Your account could be deleted/banned tomorrow for absolutely no reason, without any sort of recourse.
The market seems to disagree with you. There appear to be willing buyers and sellers who are willing to exchange valuable property for forum accounts. This is in light of the risk of accounts getting banned for arbitrary reasons (or legitimate reasons for actions done by prior owners).
Just because we've come to expect a certain level of fair treatment doesn't mean its guaranteed.
I don't think it is appropriate to intentionally have unfair policies in place, nor to encourage people to act unfairly, nor to facilitate unfair behavior
If the problem is that users see any negative feedback as a blanket statement that someone will scam them the second they trade with them, thats not an issue with the system, thats a problem with the userbase. If I can leave people negative feedback because they like lemons, and it effects their trading in the slightest, we don't need to issue a rule saying that I shouldn't leave people feedback about lemons, we should issue a mandatory exam and pledge that people will think critically about all features of this forum before using them.
Every negative rating affects a person's score the same way, regardless of the comment attached to the rating, to the extent the person is in your trust network. Many businesses that operate on the forum will use the DT network as a basis for evaluating someone's trustworthiness, including as a basis for hiring someone. If you do not agree with a particular rating, it is not possible to ignore the rating when calculating a person's trust score. Also, once a person has a strong foot in the door of being on DT1, it is nearly impossible to exclude them, regardless of how controversial they are.
I am very against setting up rules surrounding what you can and can't leave feedback for.
I am against this and regulating the marketplace. However, the current situation is sufficiently harmful to the economy and the community that I believe some regulation is appropriate.
Personally, I don't find people that default on loans deserving of red trust if they stay in communication with the person that lent them the money, and proactively make an attempt to rectify the situation. How many people do you think would be thrilled if I managed to make it a forum rule that you can't leave people negative feedback for defaulting on a loan if they stay active after doing it?
The difference between your example, and leaving negative trust for trading forum accounts is that a loan default is the breaking of a promise, and not honoring the terms of a contract. The trading of a forum account, or the discussion of doing the same is neither.