cheese cheese and more cheese.
When i play a character who spent points on a specific science, knowledge or skill cluster, assuming no one else bought those specific things, I want to be the one to be solving the problem or coming up with the critical information, not some point-monger who finagled some way of being able to have any skill, knowledge or science whenever they need or want it.
If I was running a game, I would definitely veto any of these things. If I was playing in a game, I would ask the GM to veto these things.
Allowing these things instantly devalues all non-combat skills, science, languages, area knowledges, etc. on all other characters.
$0.02