Is your dogged persistence in this thread simply a test of our collective ability to abide by the new policy?

No.

They are your own ideas, or ideas of others at the hackathon where they self-identified as stupid.

how very meta; I was doing the exact thing to your post (criticizing your actions as stupid, and making myself smile).

Agreed! So was Facebook--it was just another MySpace clone. Or Google--another search engine. Sometimes the best ideas are seemingly stupid and pointless. I think the name is tongue-in-cheek because "stupid things" tend to become great ideas. I think it's a great idea this is going on.

Ok, I am going to bite. AirBnb is stupid. Every child that has heard about the Little Red Riding Hood should be able to figure that out.

The fact that we do not hear about even more horrible incidents regarding this service is for the most part due to society being overwhelmingly composed of more or less moral individuals (with an active remediation and PR campaign from the incumbents as a distant second reason). But I find hard to believe that anyone who can do any half decent risk assessment would sign in for that kind of liability.