Some games incorporate the concept of taking characters flaws as a way of gaining bonus XP including GURPS, HERO, Savage Worlds, and Shadowrun. This could be treated narratively on a character by character basis but a skinnable list of the same quasi-generic approach as talents may be useful round out characters more. What are your thoughts on this? Perhaps come up with a list of community created flaws ranked as Tier 1 or Tier 2 Flaws (but no higher) that would give -5 or -10 points to the character that would have the same mechanic akin a Talents of the same Tier. Restrict Flaws to something like max of 4 Tiers in flaws. Of course flaws have to relevant to the setting and require GM approval to make sure they fit.
Example:
Tier 1 Flaw
Diminished Sense: Character has a condition that reduces a specific sense resulting in a setback to all skill checks involving this sense. This may be purchased once for each major sense affected (sight, smell, hearing, touch)
Tier 2 Flaws
Phobia: Character has an overwhelming fear of a category of an animal , thing, or event. The type of phobia must be determine when this flaw is acquired. When interacting with events relating to the phobia, all Skill checks difficulties are upgraded once.
Thoughts?