Do I get a special rate if I let you into the SaltySpitoon? You did get in a fight after all, even if you did lose. But you are a world champion kickboxer, so I guess its alright.
On a more serious note, is there any way to get a star fish rating without personal ID and stuff? I know you say that its money, so anonymity doesn't matter, but what if you have forced anonymity?
With no ID you would be pretty limited in the credit anyone could/should extend - also it limits the ability to recover funds. Essentially you're asking people to send funds to a random address and hoping it will come back. If you had a decent reputation for trading elsewhere, people might extend greater trust.
I have done many loans without full ID verification, but used other assessments. However, for the Starfish ratings where I'm taking on a contingent liability, that's different and requires a higher level of proof, and hence ID is important.
