I think it's an interesting idea but if it's optional then you won't be targetting the problem users. If someone is doing poor transactions with users then I doubt they'd be looking forward to signing up on another site to showcase that. I guess it would be buyer/seller beware for people who decide to do a transaction with someone without an account to the site, however, I think there needs to be some way for users to alarm other users of posters that have had multiple poor transactions. Even if it's a poorly constructed one at least it would be a deterent and encourage accountability.
Just my thoughts on the matter. I know any solution to this would not be easy to implement.
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