That's actually quite an interesting take on this issue. You're saying (I think) that instead of making this proposal a forum-wide change, there should be a way for people to set up "post filters" themselves?

Just thinking out loud here, but being able to specify a (carefully sanitized) expression (maybe PHP, maybe something custom) to define per-board post filters would be a pretty cool feature!

OP could then go into his "Post Filtering" settings and under "Marketplace -> Lending" could enter an expression like: exclude($memberRank < 2) (where 0 == "Brand New", 1 == "Newbie", 2 == "Jr. Member", etc).

I'd probably use an expression like: exclude($memberPostCount > 50 && $memberEarnedMerits / $memberPostCount < 0.5) to clean up my view of certain boards.

I also like that this feature is in keeping with the forum's mission to maximize freedom: people would retain the ability to post (mostly) wherever they want without too many restrictions, but would also gain the ability to control their experience and (attempt to) make their time spent reading the forum more pleasant.