I think it's pretty important for money to be fungible. Your idea is intended to solve a very real problem, but I think your proposed solution is worse than the problem.
Otherwise, if the reputation engines are too strict, no one would trusts the currency. Too loose, and there is no effective deterence to unsustainable activity. There's an ideal balance to the targeted overall rejection rate among all teams, most likely erring on the side of being too loose (0.5% rejection?), filtering out only the worst of the worst. This targeting to a metric value reminds me of fed actions to indirectly influence the economy, such as with setting interest rates.