I would think that special weapons would only be available to use for players that have spent the credit on learning the required skill. For example, if you want to snipe you would use your earned money-points-lunarites to learn sniping. I would think that if you had not learned sniping you could not just pick up a sniper rifle and start using it because somebody handed it to you. I really do not think there will be weapons available to people who lack the required learned skills to use them.
One thing I think you guys are missing here is the pace of a true FPS game. You WILL die often. You will probably not loose you gear because you die. You will probably be sent back to the nearest spawn point to grab your gear at some sort of gear terminal near the spawn point to begin your journey into battle again. There will probably be certain classes for different types of weapons and inter species looting will occur but you would probably still not be able to use a looted weapon in a class you had not spent the money-points-lunarites to learn.
It would be a shame if you had to work for any significant time after being killed to get back to the battle, so I'm assuming the spawn points will be plentiful in most areas (with exceptions for quest type environments).
The only way to assure that money for skills is not handed out would be to require that player to achieve a certain amount of non trade able points to buy the new skills. Making them have to kill the PvE creatures or PvP players themselves to gain points would probably fix this to some extent.
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