Yes, I know, but just… hear me out…
Create a new implant called a Skill Point Processor Cache (or, y’know, whatever) which, when plugged in, does the same job as a ‘Cerebral Accelerator’ (so like skill points train at 2x or an amount, that’s for someone else to determine)
Having this implant plugged in would have a secondary effect - the ability to use another item.
Skill Cache Memory Chip (again, names are beyond the scope of this discussion).
This second item has a chance to drop on pod death and contains Skill Points (10, 20, 50,000? etc).
To use a Memory Chip you must have the implant installed.
Only players with the implant can drop the Memory Chip on death.
If a player is podded with an implant installed, they lose a portion of Skill Points from whichever skill is currently training, and an equivalent amount will be placed in the chip (maybe even a small ‘tax’ can be applied)
So like, if Arthur and Bob have implants, and Bob kills Arthur and collects his cache chip, he can apply the skill points Arthur dropped to his own skill queue (no ‘new’ skill points are created in the universe).
If Arthur kills Bob, but Bob has no implant, only the corpse drops and no SP is lost from Bob’s queue.
If Bob tries to cheat by removing all skills from his queue before PVP, killing Arthur’s pod drops only the corpse (determined by Final Blow).
Players can consent to the risk of SP loss by using the implant in a ‘live and die by the sword’ fashion.