I was wondering if any GMs allow a player to use a Destiny Point to activate a Talent available to them, that they have not yet purchased? The way I see it, it is much like them using a DP to narratively change a scene. I don't see it being overpowered too much, due to the DP cost.
Example: A Colonist Doctor stumbles into a medical facility with a heavily wounded party member. She sees a Bacta Tank in the corner and decides to put the wounded PC in there. She hasn't had the opportunity to purchase "Bacta Specialist" yet with her XP, so she flips a Destiny Point to activate it, allowing the wounded PC to heal an additional Wound from the Bacta Tank
Is this already covered in RAW? Do others allow this? Who thinks it may be overpowered?