I would allow you to take more negative qualities, but only give you 35 bp. I would, however, pick on you only as much as on anyone else with 35 bps (ie, if you have 70 bps of negatives, you're only getting 35 bps of points, so I would pick on you about half as often).
By "pick on you" I mean "manufacture situations where the negative qualities come up" like running into people you are Prejudiced against, having to do runs in areas where something you're allergic to is, etc.