Guys, there is only few civil abilities, and 3 of them are based around having more money - bartering gives you better prices, thievery gives you free items from NPCs, and lucky find gives you random items everytime you loot a crate or barrel.. and from luckyfind 7 you will often find legendaries in random barrels laugh

So of course, it had to be balanced around usage of atleast one or two of these skills =)