This is why I voted no.

Agree with this.
There's other ways for getting locked that don't involve scamming. One way in particular is also through verification upon purchasing FG for the first time.
And as mentioned, mishaps with banks, along with everyday mistakes. Also if someone so happens to be on a particular IP where someone before them on the same IP had scammed, they too would get locked/scammer tagged as well without even being remotely associated with the person who did it.

Simply put, warns and tags don't always mean what they look to be. So this suggestion/idea kind of implies on putting everyone with a locked tag regardless of their situation in the same basket which would be wrong to do.