I think that ridding the server of the low global and zone requirements would be cool, but... (yes, there is always a but) I think since we aren't a role play server, it wouldn't be the best idea. Maybe if we converted to RP, that would be awesome! We would have to have some pretty big server changes though, such as the addition of the Merchant class, and a miner class, etc.. I do think that it would be an excellent change if Particle ever decided to do something radical =) There are already a few people right now that are role playing in the server, and what do ya know.. so far everyone loves them.
To sum it up, the speech thing could work but it would better suit a roleplay server. I'm willing to give it a try for a week or two though, just to see how it works--I'm sure it could be arranged with particle!
I agree on the rank points idea, nobody will join houses right now because of a few PKers. If they had incentive to join a house, I'm sure more people would.. I think 25 sp would be a good starting point.