Almost everyone in the community seems to understand, based on the quality of the question, to answer the latter by initiating some thought and not just giving the solution.
Actually, that is not my experience and it surely isn't recommended around here. This is a Q&A site: questioneers do not need to get schooled, but questions need to get answered. How well-meant thought-provoking answers may be, such an educational role we cannot fulfill by giving incomplete and commenting answers. Naturally, this does not mean that we may not advise, explain or provide steps on the way to the solution.
That set aside, your proposal of adding a "beginner" tag on questions from novice users will have implementation difficulty, because how to enforce the addition of that tag? For example, real beginners might not be aware of being a beginner or might be reluctant to expose such a label. The solution will almost surely end up in a mandatory addition of a difficulty rating meta-tag, which was previously declined.
And lastly, your proposal of collapsing the accepted answer will confuse users of the site. Note that (most) visitors may not be users (i.e. part of the community) at all. Therefore it would require a very big "please click here to show the actual accepted answer" button. This cannot be.