I agree. I've only run a couple sessions, but managing Fate Points for NPC's seems hugely important, and exactly the sort of thing that should be done legitly. A 0 refresh baddy finds them HUGELY important (and losing one would be equally huge), since had to have a significant setback to get one in the first place. I wouldn't feel bad at all if the Big Bad dropped one buying out of a bad Compel, and I'd hope my PC's would realise exactly how big of a setback that is for him.
'Cheating' or fudging Fate Point totals would seem really... unpleasant in this system. As the GM, I already have Compels and such as tools, playing loose with Fate Points seems underhanded somehow.
This. So very, very, much this. NPCs FP totals are every bit as important as PCs by the default rules, and any House Rule that changes that is...potentially problematic, given how closely the FP and Aspect mechanics are tied into everything else in the system. The pooled method works (though I've argued before and will again that, for fairness, people using this method should let PCs freely swap FP around), but just saying they have as many as they want or the GM finds convenient? No, no, no.
I generally don't have my NPCs ever use fate points at all (or at least, the enemy NPCs because they tend to be badguys tailored to fight groups--friendly NPCs I treat as GMPCs), so them spending one means little as far as their resources go.
That's reasonable enough if it works for you...but not how the system is intended to work
at all. So of limited utility for people who are using the system as written.
And if a player's going to go to the trouble to try and shut down an NPC's major ability, it seems unfair to me to have the NPC buy out for the meager price of one fate point and retain their full faculty for the duration of the scene.
But if they buy out, the PC, too, is free to do other things, so all they've really lost is one turn, and cost the enemy an FP...that's a pretty standard turn maneuvering, IMO. They tried, and it didn't work, but did weaken the enemy. Now they can try something else.