Speaking as a fairly new user myself, I think a lot of new users don’t understand this question and how it behaves. I’ve seen a couple of observations that would have long ago been research grade at species level except for someone marking this check box - I assume by accident:
https://www.inaturalist.org/observations/2453142
https://www.inaturalist.org/observations/3182825
I don’t know the history of these - I suspect they were marked by someone before they reached species at the community taxon. I like both suggestions above. It might also make sense to provide a warning if someone marks this while the Community Taxon is species level (and maybe even the Observation Taxon). I don’t know of many legitimate cases for doing this, and if it happens by accident it seems to take a long time to get cleaned up.