Ooh, I really like that idea! You are putting money in as a sort of deposit, but after a period of time it has served its purpose and the money can be returned. If I have to be active for say 3 months and also a certain amount of activity to get my deposit returned then burning the account after would be a pain in the arse and I would not bother. Having an account in good standing could also be a soft filter. Users could only show content from validated users and thus filter out all the bot junk, but if they wanted their comments and posts to show up they would go through the process.
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