However, I have a negative emotional response to downvoting because it is confrontational.

That is up to you.

People are afraid of "flag wars" but more importantly they are afraid of a big stakeholder destroying a little guy.

This happens now and because there is no incentive to help, no one helps.

Seems like this will create a situation where you police the accounts that are smaller than your own, but not have enough power to take on account with a larger stake.

I think there might be a few surprises.