At first I was a bit concerned that this might affect me as I'm brand new. But the restrictions don't seem overly restricting to begin with. I only have 2 trades proposed right now, and I plan on sending first, and they are all under the $ limit that is being suggested. So it basically is following how I intend to use the site as a new user. Seems like a perfectly reasonable set of restrictions on the lower end. 
The only part of this that seems off is the restriction that level 4 people wont be able to trade with level 1. Why does that even make a difference when it's just that they have account information on file? Seems odd/off.
Are you going to allow people to link paypal/CC information even though they have not purchased something to increase their trade limit right away? At the moment I don't really see any options for this, other that purchasing premium.