Dear God! The mods are out to get me! I'd be banned in a fortnight with a rule like that.

But seriously... Not a bad idea. Maybe make a repeat offense of the same rule incur a slightly higher penalty? Or take longer to expire? I'm not convinced the proposed system wouldn't handle it though... I mean, I don't think the objection is that someone whines, then stops for a week or two and does it again. Rather it's the constant flow of comments and insults from the same handful of posters that's poisoning the well, IMHO. (And yes, I know I leave a sour taste to some as well...)

Oh, and one more idea, or at least a request:
When the new system is in place to track points, etc... Can we have some automated way to know we've been dinged? Maybe a PM is sent as part of the point process, with a link to the post, the points we go, and maybe a fill-in box for a "why" from the moderator that dinged us? I'd hate to rack up a lot of points and get banned without knowing it.