Quote Originally Posted by Talakeal View Post
I have seen it a fair bit, normally when someone tries to make a D&D style cleric in a point buy game.

I had a long running campaign where one of the players tried to be a crafter, a priest, a technomancer, and a sharpshooter all at the time time, and he was really good at all of those things. The problem was, he didn't put any points into defenses, and he spent most of the session lying on the floor bleeding out. It wasn't fun for him as he wasn't participating, didn't like the thought of his character as a punching bag, and ended up contributing less to the parties success as he wasn't able to act a lot of the time.

A more recent example was someone who wanted to be a wind mage, a priest, a magical healer, a mundane healer, a martial artist, and the party face all at the same time, and he basically failed roll after roll after roll, to the point where the rest of the party simply discounted him in their plans as his rolls were too low to actually make a difference.
Yeah. I can see that, especially with open point-buy systems. My experience is more with class-based games, which have the side-effect of making that particular problem less common. And 5e D&D, my preferred game, makes it really hard to have a character incapable of contributing.