We had things working this way (kind of) for a little while, but then decided not to do it for the time being because it was a bit more complex than we had expected and it wasn’t yet clear to us that people would really want or need something like this.
I’m not sure whether we’ll revisit that decision or not, but it’s helpful to know when there’s a need for it, so thanks for sharing this here.
I’m not sure if this would address your needs, but you could try setting this to 1. Perhaps something like that, in combination with a particular channel for trust level 1 users to help onboard them to chat until they reach trust level 1 would be the best option for now?