[...] just because you are leading by 20 points at half time doesn't mean you're entitled to win by 20.
That's a pretty good analogy!
"trust rating"
Are you aware of @scipio 's User Authority idea? I think there are flaws to it but there could be some support for something like this.
The main problem with anything that mitigates the raw power of capital is that you are going to have push back from whales and their supporters, who contend that buying in should simply be enough to get access because if it didn't then no one would buy in. So that gap also needs to be bridged. Go solve!