How it works:
- Upon gaining level 60, characters have the ability to lock-in their skills. This would likely be done in town, at anytime, and is optional
- While skills are locked-in, player gains more magic find, gold find, or both. The amount should be high enough to encourage players to do it, but not so high that it seems required
- You can make yourself "unlocked" in town for a significant gold cost. So, you would be back to free swapping every 15 seconds
The nice thing about this is that it gives players an incentive to finalize a "build." But it does not punish the players who like to be able to swap out their skills. Also, you have plenty of time to test different builds up to level 60, and continue testing in inferno if you desire. And players that lock-in don't gain a combat advantage over people that don't.
I would rather not turn this into another thread about whether or not skill swapping is a problem. In my opinion, in inferno difficulty it is a problem (and many would agree). Rather I am interested in hearing other solutions if this one is not good for some reason (that I cannot really think of). To the people that are going to argue for keeping full skill swapping, please just don't bother. Blizzard is already on your side there, and they have no plans to penalize someone that likes swapping skills. Plus, this idea does not negatively impact you in anyway.