I noticed it happens once in every character you have. After you use the respec, it wont happen again. But they already made you to use a free respec, sigh.
Picard: "The economics of the future is somewhat different. You see, money doesn't exist in the 24th century... The acquisition of wealth is no longer the driving force in our lives. We work to better ourselves and the rest of Humanity."
/ Tell that to the Ferengi..