I agree to BF => I don't like them either, but I guess, some will. I have my fun in game.

And in RL => if I learn something and don't train it, I forget, lose my ability, my skill whatsoever (of course, over time).

I'll take NWN as an example now => I was a paladin, but wanted to learn thieving skills (lockpick). I had to take class restriction. Well, I didn't like this - but as the game devs had their system, I accepted it, stopped my pallie career and leveled up in thief.

In BD I can do as I wish - for a price, but I accept this, too.
Kiya