At the least it should be a 3:1 Trade. A 1:1 Trade is so worthless the option to trade might as well have been removed from the game entirely for all the use it is.
It totally depends on what the developers' intentions were with this option.
You're trying to balance it around the idea that players should always have the option of making a fair deal to have more ability points and less talent points. That's all well and fine - *if* that's the devs' intention.
However, they may be offering this as a tough choice, or an option aimed at a few rather than a customization feature for nearly everyone.
For example, some people may really need a extra ability points to make a concept work (and are willing to trade talents point for it).
Or, some people may have all the talents they want (I know it's difficult to believe that some people build their characters around a concept of something other than
"being as overpowered as the game lets me get away with", but it's true), and so they're left with talent points to spare which they would like to exchange for something more useful.
Heck, the developers may have decided they wanted the entire mechanic out of the game, perhaps no longer fitting in with their vision, yet left a highly inefficient (but intentional) trade in so players at least had it as an option for minor adjustments that wouldn't upset game balance.
Point is, we just don't know. It's easy to suggest it's badly ballanced, but if it's exactly as they intended then it's actually balanced perfectly. Something doesn't need to be removed from the game just because "someone" can't see themselves ever using it (if that were the case "Lone Wolf" would be gone). Personally, I support the change from the previous ratio as I felt it made too many talents obsolete (as did everyone, really).
