Whats to stop you from going to the console in most games and entering god mode? Its not a big deal and also, this is supposed to be an RPG. You are not supposed to respec at all if you are role playing. If you are just power gaming or min maxing, then just consider it part of the mechanics. Last, I dont really understand why its only important for civil skills... there is always one character with max civil skill anyway so why even bother respecing those? Maybe to undo the poorly chosen automatic choices when you recruit a character but thats about the only reason i can think of.