On the note of too many general posters (I would definitely come under that description), when I was in the newbies there was a group of us who all posted alot in the general, but also had alot of serious and detailed discussion on various topics in the football forum aswell.
Personally, there isnt too much post World Cup that I feel the need to air my opinion on. I dont know as much about the finances as other posters, and I try not to indulge in too much transfer speculation. I would imagine there are alot of other people here who are in the same situation as me, so end up posting more in the general forum (and to a lesser extent, the entertainment forum). In my opinion, the more people getting involved in the banter in the general, the higher the risk that someone will step over the mark, and the higher chances that the mods will miss it, and this will create a snowball effect where the standards really do slip (posting upskirt pics of Emma Watson for example).
Once the new season starts, I think alot of people will spend more time in the Football and United forums, and the balance will be restored. It doesnt hurt to have a tightening of the rules with regards NSFW content though