I see where they we're trying to go with this in an attempt to give the players a fair shake so to speak,but I think this rule is somewhat flimsy,in the knowledge that luck can be used at any given time by spending a few points to avoid impending doom.This to me is just more shit for the GM to keep up with ( in case of players who are cheating rotten bastards.) Luck should'nt be decided on points,I mean anytime I lose my ass while playing at a casino,the casino doesen't let me have my money back when i lose because i decided that things we'rent in my favor!
The system should be like this,if GM's want to use a luck system,it should be attribute based only,maybe there should be a percentage (%) implied or maybe PC's could roll a 1d20 where rolling a 3 or higher means failure,2 or below meaning success,this option may bog down the game at the same time,but it still works better than a point system,which to me is unrrealistic then just deciding that your character is "lucky".