As another quiz setter, as well as an avid quiz "doer", I think Answerbank is the most wonderful site. (Nearly) everyone on here is so friendly and helpful, and the charity that I work for, and set quizzes for, has benefitted enormously from their participation in our quizzes. I would think that most people who bother to put their �1 + s.a.e. in the post to request a quiz, are going to have a bash at solving it themselves, before asking for help. We don't all know the same things, and when you're stuck it's nice to know there's someone on here who will probably have solved the one you're looking for, and you can maybe help them in return.
I wouldn't want to see a lot of restrictive rules and regulations introduced to the site. It would spoil it. I think we are quite capable of regulating ourselves, and no-one is forced to look at a question if they don't want to know the answer.
BJ