Yes I hope this is one area that gets some refinement.
Lucky charm and loremaster I see no reason not to just share with all characters you control.
Bartering and persuation I'd like to remain individual for roleplaying and background tag interaction purposes.
You can still kind of solve the bartering thing by allowing the bartering character to acess all bags that are selected to be open.
As a side note I think all of these should be available as an option but not obligatory. I really like the idea they have for competetive multiplayer and will be having tons of fun trolling moments with my brother. We generally cooperate, but sometimes we want different things and for those situations it would be fun to have control of the lore master in the party as a bartering chip. So shared access to all characters you control or who toggle to share their social skills with you would be nice to see.