Normally rogue succeed by cards at level zero have a limit: succeed by two get a card from the cigarette case, keep your lockpicks, or do extra damage with one-handed weapons.
This card, by contrast, is an economic buffet. Compared to the standard emergency cash one action and one card for three dollars, this is zero actions for one action and many dollars saved.
The caveats are major: in a campaign without many humanoids, this is less effective, and if you can’t investigate well, it’s not a good pick. BUT: —Almost every rogue who can this can take lockpicks(1), and succeed by ridiculous amounts. — “I’ll take that” doesn’t require a standard evade, so even Sefina could use a magic spell to combine her willpower and agility.
Obviously, Rita loves this to get out a sledgehammer, old key ring, or catalog to help the team.
One unforeseen drawback is people confusing this card with “you owe me one”, which my group calls “let me see that.”