Down-voting articles should NOT affect the persons reputation.

It only affects a person Rep if the person is lower . - Example if you down voted this post, the effect on my Reputation would VERY LOW if anything at all because I'm ranked higher than you. That's why reputation is so important its more than just a number.

But I 100% agree, I don't want to Rob anyone. I don't like the idea of someone using their money to take my money or vice versa.