Luke Jr.'s that rating is totally BS, that's one of the thousand reasons why Default Trust should be removed. The best resolution is removing Default Trust system and give people time to arrange their own Trust List. Newbies shouldn't trade before knowing how things work here.
I don't think Default Trust should be removed, but I do think that users on the default trust list should be automatically removed from that list if their amount meets certain criteria, e.g. not being active at least once during a 365-day period, etc.