I really hate whenever I try to explain how some bad rules can be abused and immediatelly get someone say shit like "If this happens in your group, change it" as if that would solve the problem. And whenever it is not soemthing you witnessed personally, then it means it never happens and could never happen.
This has a lot of "I've only played D&D" energy. I am fascinated to hear your examples of exploits in VtM, or CoC, or even PF2e. Exploits and rules abuse have always been issues in D&D, which is just one of the reasons there are so many systems that aren't D&D. Plenty of rules can't be exploited, regardless of how intelligent you are - being clever isn't a magic spell that just lets you unravel rules to be remade in your image.