Rethink bonus points and user classes to act more like a hostile bank account

[pjc09h]

The way that user classes and bonus points currently work: you rank up by having upload activity (or buying upload with BP) and you get a large amount of BP for your seed size. This should be reversed, where user ranks depend on a minimum average seed size and BP are negatively compounded. I know "hostile bank account" is a tautology.