At the moment izards can learn every spell from a scroll ( not only wizard spells ) and every char can use every scroll.
I hope that this is considered a bug and it will be fixed.
Otherwise I totally agree with your ideas.
Regarding stolen stuff, at least one of the TES games had a mechanic were you could sell stolen items only in a black market shop.
Though I am not sure what happens if you steal stuff from that black market shop.
Prof. Dr. Dr. Mad S. Tist
World leading expert of artificial stupidity.
Because there are too many people who work on artificial intelligence already
