I think this card is hilarious. The fact that when other investigators are defeated you can be like, "Hey, silver lining; I got a charge on my Skull!" is priceless. Beyond that, I'm pretty sure this card is actually good; installs for an action, gains charges for doing something you'd do anyway, whether that's going through Ally assets or killing enemies, and pays back the action you took to install it after a single use. In a Leo Anderson deck, where you're losing allies and killing enemies in equal measure, the action compression this can give you over the course of a scenario, let alone a campaign, is pretty crazy. It may seem a bit slow, since it does take an action to use every time, but there are a lot of turns in a scenario where you might have an odd action that you "waste" just gaining a resource, and this makes those spare actions twice as efficient.
Also how weird is it that it's cursed, but doesn't actively harm you?