The problem is... you are still talking about reporting. I am talking about down votes on posts simply because you disagree with them, or don't think they are worth as much as someone else wanted to pay them. We still need a reporting mechanism and yes it should FINE them.
We do have this and it is even shaped like a flag. However, it is being used to penalize people due to opinion.
In that post I expressed that I truly could not see a positive value add for a down vote. I was not referring to a flag to remove plagiarism, spam, and abusive posts. I was referring to a down vote for any reason other than those.
That is from my blog post.
I can speak from experience on this point - one of my posts made No. 1 on the front page and was worth about $8k. Shortly before payout a bunch of downvotes showed up and knocked the payout down to $5k. I was pissed! Not because they downvoted, but because they downvoted without commenting and telling me why they downvoted. I think they just wanted the reward reduced, which is not an action that should be condoned.
So here's my thoughts - downvotes only get applied if they are accompanied by a comment that is upvoted by someone other than the OP and the down voter. Boom!