I think it’s great that you are thinking about these types of things. However, I would note that very similar ideas how been proposed and rejected by staff previously. Examples:
A way to have a reputation/expert system
https://forum.inaturalist.org/t/implement-an-ispot-style-reputation-system/6998
Requiring comment on disagreements of coarser IDs:
https://forum.inaturalist.org/t/require-a-comment-when-adding-a-coarser-id-to-an-observation/45736/26
So I think it’s fine to discuss these ideas, but they wouldn’t be accepted as feature requests or implemented (though staff didn’t 100% close the door on some type of reputation system in the future that was totally internal to iNat).