I've let a PC be created with some skills in the Poor and Terrible range. By coincidence, this PC is about ten years old.
The character has skills following the Skill pyramid, but in reverse (i.e. for every Terrible skill, there also has to be a corresponding Poor skill). I do allow the PC to get 'extra' skill points to counterbalance any skills with negative ranks, but there are some serious caveats with that.
Given that the character is ten years old, the skills impacted (positively and negatively) have to be thematically appropriate for the character. What this works out to is that some of the age/growth-related skills like Might, Driving and Resources have been reduced, while skills which are more appropriate for a kid to have high ranks in like Athletics or Endurance can get a 'boost'.
Also, to prevent/discourage min-maxing, there are a number of related aspects touching on the character's like Dirt Poor, you wish you were that wealthy...
In addition, and more importantly given the reduced age of the PC, the PC didn't start at the Feet in the Water level, but a custom level with 4 Refresh and 10 Skill points. This lower starting level is compensated by an accelerated Milestone rate until the PC reachs Skill/Refresh points parity with the rest of the party.
-Cheers