With the RAW, Charm checks are opposed by the target's own skills. The problem with this is that it gives no room to reflect the actual difficulty of what's being attempted.
For (an intentionally extreme) example, convincing someone to loan you 5 credits is a lot easier than convincing them to kill their best friend, but using the RAW (as far as I understand them), the check would use the same difficulty. This is especially problematic with high skill levels vs low skill levels where success is essentially assured.
The only RAW option I can see would be to add setback dice, but that feels a little silly to me and doesn't match my concept of a setback.
How do you guys handle it?