In the rules I recommend characters only have 3-4 terms, and have them roll a d6. They talked about being honest, and it's true, we just create the characters we want to play. Harsher just feels like it's trying to stop rules lawyering, character optimization, etc. They had never played Traveller, and I had to say, it doesn't have the D&D play loop of level grinding. If one wants to make a character on "God Mode" go for it, at least to see, that is a learning experience on their own. Why not do it always? Because then it doesn't feel honest.