I can't disagree with this strongly enough. Systems like that are the worst, because if you don't want to miss content you pretty much have to dump all of your skill points into, say, Charm, as quickly as you can at the expense of other skills.
Well, if you go back to DA:O and KOTOR, putting points into Speech or Coercion didn't affect how many points you could put into combat skills since they were set into different sections along with other non-combat skills. Also, if you bring ME1 into the mix, you could put points into your speech-related skills at the cost of putting them into other skills, but you could spec your squad in ways to pick up the slack.
Though, I'd think that you'd prefer the DA:O/KOTOR system of having your speech skill being separate from combat.
I wouldn't say *never*, but rewards should be spread across the spectrum.
This makes me think of the whole 'everyone's a winner' thing that, imo, is a load of BS. The only way that this could maybe work (again, imo) is that the reward(s) you'd get would be increasingly substantial depending on how well you played/handled certain situations. If you handled a situation in a game poorly while someone else handled it very well, the latter player should get a much better reward than you. This would encourage the player to try harder to get better rewards instead of letting them put minimal effort into the game and get the same result as everyone else.
Other than that, I agree that you should be able to be charismatic regardless of your alignment. If anything, your alignment should affect in what way you're charismatic instead of blocking out which dialogue options are available to you in order to force you to pick something else due to your alignment score not being high enough.