Here is something for the Shadowrun crowd…..
Flash Backs [Negative Quality]-Your character suffers from flashbacks from some event in his/her past. When your GM dictates based on your flashback story, you must make a WILL x Reaction roll with a threshold equal to the number of build points gained divided by five. If you fail, you gain a penalty equal to all dice pool rolls equal to the the number of build points gained divided by five.
Quite a doozy, huh? You can gain a bunch of points, but your character has crippling PTSD. Thoughts?