it is not "Sims 3"
That's really nice phrase and also a stereotype way of advocating the nonsense in this case. Let me ask - is it usual in your culture, that people shoot themselves for getting PhD or something like this or are PhDs considered criminals just for being.. well, PhDs?

Anyway I see no profit in this for the game itself. It just leads to making more alts - you have one who can actually craft something and is perma-staying at workbench, one who can travel safely and sell goods, one who can use the goods - instead of investing skill points as you want for the one character and still have a regular and full game experience. You know, someone has to do the crafting, why should this person be punished and risk life every time he leaves a safe-zone - just for choosing one or two skills (repair/ science/ etc.), which aren't harmful in their substance and trying to get best of them?
Never mind, either system's gonna change or people gonna adapt (by using alts - which is I think considered as "we don't want it" by implementing an anti-alt system). It's problem only for those, who want to have as few characters, as possible and still have a good game experience.