Re: I think Physician skill should be a VH skill.
How you get your levels isn't important. You can shuffle points around until you have the levels you want as cheaply as you can manage (p. B173 states this explicitly), but that doesn't have any effect on the meaning of those levels. Someone with huge Physician and other stuff at default from it is just "a PC played by a better optimizer"; in the game world, the player can claim precisely the same background as a less-efficient PC with similar levels bought the hard way.
Or put another way: The numbers you roll against exist in the game world. The points don't – they exist only in the real world, and cease to be relevant in play.
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