this idea adresses the following problem:
you have a team (guild team or pug, doesn't matter), you want to do pvp and you want to do it right. meaning, you are spending time to think about a build, improving it after a fail...
now you have some people with full unlocks, but you also have some teammates who are quite new to the game, spent some time in pve, but are missing skills - effectively preventing all your "teambuild plans" from succeeding.
what we need is a possibility to help other players to adjust their build and be useful in a pvp team even while learning.
i hate seeing dialogues like:










what was that about "skill over time spent"?
let's list two solutions to the above problem along with their downsides:
flames of balthazar:
would effectively counter the problem for guildmates or friends. for pugs it would probably only solve the problem if the new player is rich enough to buy the flames.
another reason for anet to not re-introduce the flames would be that - with all the online trading of ingame money or even accounts - flames would create a new means to get fully unlocked accounts in no time and thus become ebay material.
uax:
although i'd still love to see this solution, i have no hope that anet will go this way. this has been discussed to death. although i enjoy using the term uax in any post i make

and here comes a new idea:
lending skill and item unlocks to other players:
to give a skill or item unlock to another player for a limited time you would have to have it unlocked yourself of course. additionally your faction (including your faction cap) would be lowered by 1000.
so if you have 5470/10000 faction, you could lend another player 5 skill or item unlocks and then have 470/5000 faction.
imho, lending an unlock should not disable it for the player who gives it... making it possible to give someone else the same build you are playing.
to recall the loan you'd need a menu with all the unlocks anyone borrowed from you. you'd be able to recall it anytime, but if the player was in a pvp match at the time he would only lose the unlock after the match, and only then you would get back your faction and cap.
if necessary, anet could also set a time limit on borrowed unlocks, like 24 hours, to prevent dead accounts to still have unlocks for others.
to redeem the loan you'd need a menu with all the unlocks you borrowed. just select one, hit a button and you lose the unlock again, returning faction and cap to the creditor. this should only be possible in areas where you can manage your skillbar.
i think this solution would be possible because we already know from a bug and from buddy codes that unlocks don't have to stay forever

it might sound a bit complicated, but it should be quite intuitive, once in action... and i really tried to combine the advantages that UAX would bring, but still keep the incentive to unlock stuff - because it seems like ANet wants to keep the unlocking.
any comments?