People vouch for Sam. Each vouch is weighted by the voucher's credibility (verified > unverified), never by count. Three independent axes: the stakes ladder, orthogonal competence domains, and active distrust.
Needs a domain-credible attestor (a licensing guild, not just a relative).
Pile unverified strangers vouching Sam for handle_cash — it stays denied. One id-verified voucher flips it. The ex-landlord's active distrust keeps cash net-negative.