From my point of view I prefer KISS at it is.
If I loose/ give away reputation, it can cost me some privileges. That's why I think twice and bounties are special for hard questions instead if overwhelming.

I gain rep for constructive and well fitting answers.
Something I don't loose while starting a bounty. So just be patient and work to get it again. Every bounty is result of hard work. So privileges are same. I got mine (atm) from editing question's code to look more readable. Different work than given good answers, but work.

Referring to first statement "simple": It needs much more tracking and a more complex database on any different way like now. What for? Some rare moments I had also myself, when I got privilege to comment everywhere, gave a stupid answer, lost some rep and had to write next comment as answer. Well, don't lost anything I care. Later got new rep.

From my point of view I prefer KISS at it is.
If I lose/give away reputation, it can cost me some privileges. That's why I think twice and bounties are special for hard questions instead if overwhelming.

I gain rep for constructive and well fitting answers.
Something I don't loose while starting a bounty. So just be patient and work to get it again. Every bounty is result of hard work. So privileges are same. I got mine (atm) from editing question's code to look more readable. Different work than given good answers, but work.

Referring to first statement "simple": It needs much more tracking and a more complex database on any different way like now. What for? Some rare moments I had also myself, when I got privilege to comment everywhere, gave a stupid answer, lost some rep and had to write next comment as answer. Well, don't lost anything I care. Later got new rep.