Well, 10,000¥ is 2 BP/4 Karma at chargen, so it's still cheaper than buying the skill itself.
Technically, it is, but because maximum resources are capped, the
opportunity cost of spending 10,000-40,000 Nuyen to get a skill usually discourages me. Get one skill at 4, or get synthcardium: 3 to boost all of my athletics skills by 3 dice, and get a reflex recorder to improve my primary skill by 1? Even with a character that has Born Rich, Genetic Heritage, and In Debt, with move-by-wire, I
still tend to shy away from skillsofts at the new prices.