+1 for Mike's plan. Print it, put it in the book
Agreed. Only thing I'd want hammered out would be how this interacts with playing other chapters, and pay-no-play.
I would change exactly one thing about Mike's suggestion: make it a benefit of NPCing.
I suspect the "why" is to give more rewards to NPCing and therefore encourage NPCing more across the playerbase, especially for people who historically only PC.
It's not a matter of being above anything, it's just a matter of what they are willing aND able to donate.
Back on topic..
I generally prefer easier answers over complicated ones. A system for unlearning skills is vastly more complicated than a quick change to an already existing one.
Which is to say, changing the formal scroll in some manner similar to what I mentioned is vastly simpler.
I think fixing build mistakes should be easier, changing everything more resource intensive and harder, and I think race change is fine as is.