I have kept quiet on the subject to date but FWIW, speaking only as a forum member like everyone else, if (and I hope it is rarely the case) a trade-off is ever required in moderating this forum I would happily sacrifice "interesting" (to some) chat that's not about Zopa, for civil discussion about Zopa including critcism which is never moderated unless impolite or libellous (thankfully rarely). I think this forum is pretty unique in the civil and helpful level of discussion about the topic in hand (for which I think the mods and forum contributors deserve great credit) and it seems sometimes to be when people start getting "interesting" (to some) that civility starts to suffer. The Internet is a big place and everyone can find somewhere that welcomes them. This forum's purpose is given away by its name. I'm sorry if that makes it boring to some but I think it makes it more useful to many more.
I think 3 posters have been banned in 5 years and, while regretting the loss of any poster some found interesting (which was the case for all 3), I have supported all 3 bans as they repeatedly broke forum rules for civility.