A good idea would be to have a "report" function. If, say, five individual members hit the "report" button on a post, then the offending post would be sent to, say, five moderators by e-mail. If, say, four out of five moderators agreed that it was offensive and against the rules of AnswerBank, then it would be automatically deleted.
This is nothing new, I've seen it on lots of sites and I've even been a moderator of this kind.
And I tend to agree with brawburd - we're lining peoples' pockets by using this site - why can't they put some of it back into the system and pay people to look after this site and give it the respect they want it to have?