I agree, in a multiplayer / multi-character a skill like Lucky Charm (or anything that increases something like loot pickup) just doesn't really fit. It makes the game more tedious and less free for each character/player to do play (like described, now just this character should loot everything, and get buffs and such each time).
In a single player game it's usually fine, especially if you roll it into a bigger stat like "Luck", which usually has influence on many things at once. Lucky Charm on the other hand just gives that loot bonus, which seems to be more about getting more money / on par gear than something great anyways. (also it could encourage save scumming to make it trigger)
