Interesting discussion, but we won’t be moving forward with this request, I’m sorry.
Such a change would be an enormous one (200+m observations would need to be reindexed), as taxonomy changes there would need to be more reindexing (which is already an issue with taxonomic changes), and I think it would encourage people to add finder IDs (particularly subspecies) that are already difficult and controversial (as reflected by iNat’s current treatment, where two ssp IDs are needed to move the observation taxon). Finally, a change this huge (basically updating all data quality grades and how those work throughout the site) would cause a lot of confusion without a major benefit. The data quality system is already confusing. More granularly identifying garden plants or getting observations identified beyond species are not major needs for iNaturalist.
Currently, anyone can use the filters to search for observations “stuck” at a certain taxonomic level and try to refine them (see this tutorial) I understand this doesn’t address the issue of knowing whether finer taxa are available for a certain taxon, but if someone is motivated to do so they can check it out.