I think it's wrong to say that certain things should be impossible if you don't have certain skills. That would be like saying combat is impossible if you don't increase your weapon skills to deal more damage, or if you decide not to have any spellcasters in your party. Things might become more difficult, sure... but that's not the same as impossible.
I should not be able to beat the final boss of Cyseal without investing some points / money into combat skills. I shouldn't be able to stroll up as a level 1 nobody and slap his shit.
Nor should I be able to rob the richest most powerful man in Cyseal without being a reasonably skilled thief.
