If I understand correctly, you are suggesting that trust should be handled automatically based on programmed rules and guidelines. I am not into tech, but I do not know the probability of that being developed, but I also don't see the necessity. Every aspect of the forum is handled by forum members, hence the human interaction. The system may not be perfect, but there has been much changes recently and that has improved how it functions.

Can you explain further about the relationship between trust flags and the banking system?