I ask this question because of Can't answer protected question despite meeting reputation requirement:
For the purposes of your reputation "on this site", Stack Exchange has calculated the following:
- Registered an account: 1 rep earned (total earned: 1, total rep: 1)
- Association bonus: 0 rep earned (total earned: 1, total rep: 101)
- Question upvotes: 40 rep earned (total earned: 41, total rep: 141)
- Suggested edits: 2 rep earned (total earned: 43, total rep: 143)
- Bounty offered: -100 rep earned (total earned: -57, total rep: 43)
I have known that association bonus is ignored, and just knew that bounty is also considered in the calculation; I don't have any problems with that.
One thing that strikes me is, the poster is the OP of the question. In this case, I think it's an edge case since the OP also put a bounty, making his earned rep went to negative. (This might be discussed further, since losing privileges after putting a bounty is status by design).
However, what if a new user (1 rep) asks a question, then for some reasons get their question protected? In this case, I believe the OP also cannot self-answer because of the minimum required reputation. If it is, then honestly, I feel bad for the OP if they get penalized for doing nothing bad.
On the other hand, this will defeat one of the objective of protected question (from What is a “protected” question?):
Some questions are protected because they are expected to attract either spam or users -- often new users -- who may mistake the site as a traditional forum, posting "noisy" answers such as "Thank you" or "This worked for me" or "I'm also having this problem".
Honestly, I haven't thought that this might be a big issue (I observed many NAAs from random users, but from OP itself, I found it rarer). I could think of a new feature request to put answer-ban on particular question and by particular user, but that might be not feasible due to bigger change that might be too complex. If any of you have better suggestion about this, then feel free to chime in!
I think this is similar to Allow new users to post self answers at any time, but that question focuses more on 8-hour restriction for new user to self-answer.