Hey Mike,
I completely agree with you - I see the clubs as a opportunity for random exchange while still supporting the postal services. In my case, there are no active philatelic societies in my area and I see this as a nice way to swap some stamps around. Given the circumstances, and having in mind that I have not been collecting for decades like other members, I don't have so much variety, but I try to make a decent mix and follow the rules. I even add a couple more stamps.
But yes, the penalties for low ratings (1 and 2) are a bit harsh in my opinion. I mean, you can agree to send more stamps but they also take their time to get to the recipient. In that time you are limited to only 2 traveling letters. That is not so big of a deal in 100stamps. club, but having only two 25stamps.club letters traveling seems absurd.
Still, I feel like the community is sensible enough to avoid giving bad ratings. But maybe it would be good to make comments and photos required when giving a bad rating.