There's too much here to make it worth approving.
BM is not meant to be too heavily based on spellcasting and magic. Some changes recently (over months/years, not weeks) increased that game aspect, but we've also implemented changes to reduce it some too.
I also don't see a benefit towards encouraging over 100% skills. It is possible to happen with unique items, but it should be rare. Oratory and bureaucracy are probably the easiest skills to gain. I'd be surprised if there were any more than 5 or 10 characters that reached 100% swordskill in BM's entire history (especially if you dont count unique item skill bonuses); maybe 90%-95% tops for most elite swordsmen through BM history.
Guarantees of skill improvement smack of imbalance. All skill improvement is based on a chance, at some level, often multiple levels.
Having the gold go to family wealth introduces potential abuses. Also, I think BM is still rather gold-heavy so I'm more interested in things that spend gold into black holes than increase gold on hand.
Also, for a feature focused on player-generated content, this feature seems to encourage maxing stats rather than interacting with fellows.
Positively, this feature request seems like it could have some creative ideas for GM portal stone roleplays.
