Can you confirm there are no white checks in order to progress the story/they can be circumventet by means other than spending skill points?
You can "reset" white checks in multiple ways - saving up skill points is one, sure, but there are in-game ways in place for that. You can do that by interacting with the environment, talking/interacting with other characters (sometimes in a different area entirely), items, drugs. And you can keep track of white and red checks on the world map. You know, in case you forget what's where.