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I've seen this suggestion before, but if implemented this should be an option. For example, suppose I wanted to reward a comment on a post, because the comment is pointing out that the post is malware. I definitely do not want to reward the malware post, just the comment!

Good example but I don't think it's realistic. You would downvote the original post say why on he flag and only upvote comment enough for it to be on the top. I think it needs to be mandatory or optional to the author. He author would almost always say yes to get passive income. But perhaps if the authors reputation is below 0 thhey would forfeit commentrewards.