Ghostly Movement Takes Penalties?

[David Johnston2]

Originally Posted by Plane

A point in an average IQ skill brings it up to IQ-1, so an IQ 6 guy would have an effective base skill of merely 5...

Whereas even somebody Incompetent in Lockpicking (extra -4 on default : IQ-9) with an IQ of 14 would have the same effective skill... and IQ 15/16 would be better..

Not important. The first guy "knows how to pick locks" enough to answer the arbitrary requirements of his supernatural power. The second doesn't.