Mplath1: I forget what game but I swear I read about something where it's tied to age. So you can class change and reskill but you age 5 years or something. Makes sense for a full class change. A bard is going to have to commit some serious time to become a competent blacksmith or whatever. Eventually your stats start a slow decline and presumably you'd die at some point. Can't master everything in one lifetime right? Wish I could remember what game this was.
Anyway I think it'd be fascinating for sports games. Older superstars aren't usually as fast or strong as younger talents but have developed unique knowledge and skills that put them in a valuable class despite lowered stats. Everyone gets +3 stamina just for MJ being on the court. Or slightly higher shot accuracy if the assist comes from him. Contract costs go higher and eventually the old pro gets injured or just retires.Not sure if any games do this in their career modes as I haven't played anything new but it's gotta be a better idea then loot boxes right?
That would be the classic Wizardry games, namely 1-3 and 5. (Wizardry 4 is its own thing, and is so different from the rest of the series that this discussion doesn't apply at all.) Each class change will age you, and your chance of a stat loss (instead of a stat gain) at level up will increase the older you get.
Elminage Gothic also inherits this mechanic, although there characters who are extremely young (like monsters you just recruited as party members, who start at age 0) will have poor stats as well, and you usually don't want to class change them, so you'll need to find another way to age them a little.
One thing I don't like in Wizardry 1-3 and 5 is that resting to restore HP will slowly age you in most versions of these games; since resting to restore MP is free and only has a 1 in 7 chance of aging the character a week, and since there's healing magic, the option to rest to recover HP feels lit a trap option, and those are not good game design, outside of certain types of troll or puzzle games (and I am not aware of any games of those types).
Stranger of Sword City handles age differently; older characters start with *better* stats, but have fewer life points (meaning they can perma-die more easily); on the other hand, age can't increase as the game progresses. Interestingly enough, the original version of the game limits the number of times you can class change, while Revisited instead just increases the cost of class change each time.