[JMason]

In my experience this is an enforcement problem. I use to have this issue and would have players take all sorts of disads that just never were any form of inconvenience to the player. Then I started to keep a list of player disads when I was writing up session plans or keeping a list while running the game and "checking off" when a disad had come into play in a significant way.

This kept me aware of what the player disads were and what impact they were having on the game. If a -20 point disad wasn't causing significant problems for the player, then I'd look for more ways that it should.

Another options is to just drop the points gained from a disad that you don't feel is a burden.