you could fake being a paraplegic in order to avoid gunfights.
I'm going to date myself here, but anyone else remember Guy Cabellero from SCTV, the guy who faked using a wheelchair "for respect"?
Off the top of my head, I could see In Debt being a little cheesy if it put you over the bp cap because even if you aren't getting the BP, you're still getting the cash. You have to pay it back plus 50% and the monthly vig, but the argument can be made that Tech money is more valuable than in play money.
Not every negative quality has to be worth points. I actually shy away from taking some of them, even if they fit my character, for "personality" ones. Because you are giving up some player agency, and submitting to a dice test to determine your behavior. When I play someone vindictive, I like the freedom to decide when he won't be vindictive, just this once.
I agree on this point. I don't like tests to determine character behavior, although without it things like Addiction wouldn't really be negatives at all. The character I'm currently working on has Lost Loved One which has a test but it's not one I'm going to roll-- if the GM introduces a plot point relevant to it I'll just assume I fail the test and follow it up. That's one of the things I like about LLO, it's a flaw that motivates plot development rather than a specific action.