I know this have been mentioned multiple times before but here it goes again.
What happens when we get a Cobalt card we dont want? Theres been multiple suggestions and the most common seem to be tradedowns. However i think thats a bad solution since it puts us at the mercy of the RNG gods and most people hate (dislike with great passion) RNG and theres no guarantee you will ever get the one loadout you want.
My suggestion is that for an aditional lets say 10k credits we get to put the Cobalt skin on Silver or Gold card (i say silver or gold because that means we cant just buy the 1 loadout we prefer and theres still a part of RNG in it) and get that Silver or Gold card to Cobalt.