It may be possible to volunarily remove a soul from an existing PC to spark another PC. If this happens, the previous PC becomes an NPC. This was talked about in the forums briefly, but I'm not sure if it is official or will be part of the game.

I'm sure some of those with money to spare in real life will try what you have suggested. There are drawbacks, however, because in order to get really competent PCs, player time has to be invested. If someone is making lots of PCs, they are not going to be able to invest time in all of them, so most of them are going to be noobs, skill-wise.