How about a "Case Studies" area that is reserved for detailed/in-depth analysis of a Personal (capital P) finance subject? Participants would need to use real numbers and investments with specificity. Caveat and disclosure of non-professional (where applicable) advice would have to be all over it. I imagine there would be a lot of question & answer (for details left out) requiring active participation of the questioner. At some point, I also imagine that the case study would need to arrive at a consensus decision (or summary of decisions) at which point the thread would be locked against further debate.
I'm reminded of the case studies I was doing in graduate school last year, as compared to some of the questions that get asked either here or in the recent rIRA comments. For example, an MBA case study would never ask simplified/generalized questions (Should I invest my Roth in XYZ mutual fund?) without giving the details of someone's overall portfolio, risk tolerance, timeline, etc. plus the details of XYZ mutual fund, alternatives, and other considerations. There are too many unknowns in many of the questions being asked now that I fear wearing out the "it depends" key on my keyboard.
I think this is a great idea and personally I would love it since I love digging into the nitty gritty (particularly with budgets). It may be hard to implement though because some people just don't really want to go into that level of detail, particularly in a public forum when it's attached to a name that could be tracked back to them.
Would there be a way to make that one particular form anon so that people can ask questions/give details in a user name other than the one they use on other forums? I would hate to see the entire board have anon abilities because I think people should be held accountable for the things they say, but for just that one section it might be useful. Even the smartest people sometimes make stupid mistakes or need help, but they don't always want to admit that.
I've been posting on another finance board for years and I often used to get private e-mails from other regs asking delicate questions that they didn't want to ask in public.