If not, those trust ratings do not truly define the person. There is always a second chance given to everyone, and there is a benefit of doubt if the person, after receiving all those bad ratings, still continues to do some good in the community.
It might be hard to trust them when it comes to financial deals, but they can still make some good names even with those negative ratings by being productive in any way that they can, and people can confirm the value of their contribution.
Incorrect, the second chance is only happen for big user which has been trusted for long especially if you have a power e.g. DT1, gangs, earn merit regularly, have many positive feedback etc. If you're just an Average Joe who don't have anything, when you receive red tag, your career is over. Want to see the proof? you can open a new account and try to scam, then try to earn merit with that account.
Many merit sources or users don't like to meriting a negative tag account.
Second chance will be given if the sin committed by any forum member reputable or not is just minor. But if they commit scamming,extortion or any big sin done for sure nothing to retrieve back and we see also a lot of cases happening here. Reputation cannot do anything if a reputable person commit a large sin since for sure many will distrust them and put more tags then the community will discourage people to deal with them.
Also merit is just a number and this is just used to rank up so if people doesn't have plan to join on any campaigns since they are fine with current status since they are still earning good figures then they should be fine and don't worry about earning merit here.