Since no one has written a review on this interesting card yet, I'll give it a look.
For 2xp, you get 3 upgrades with this card compare to the lv. 0 version of Money Talks.
- a ? icon to commit. This means that talking about money is no longer irrelevant even if you're not yet rich, although adding a ? icon isn't going to wow anyone, and so you still want to be rich. Just note that Money Talks is now not a dead card in a Crystallizer of Dreams build.
- You can now money talks for any investigators anywhere on the map now! This is I think the strongest effect for this upgraded card. Just shout louder and if you're rich you can basically auto pass a test for anyone. This effect can be life saving to another investigator across the map. Just don't draw the auto fail token.
- Draw 1 card. This is "mildly" good; like Lucky! lv. 2 good. Card draws add pace and consistency to your deck.
To sum up: for 2xp this card adds flexibility to what you can do and add a bit of consistently to your deck. Is it worth it? I think for rich people, why not? I like it. The #2 effect is especially strong. This may not be first thing a rich rogue want to upgrade. (You want to make sure you can get rich consistently and fast first.) But nevertheless for all the rich guys in the game it's worth a good look.
To maximize the potential of Money Talks? Save xps to Double, Double it, since it cost nothing, and will likely pass two test for anyone and you will also get to draw 2 cards. Now that is a pretty sweet deal, although the combo more so speaks to how strong Double, Double can be (and how expensive it costs).
To answer your question(s): "The only thing that would happen if Double, Double were activated after Money Talks (2) is that an extra card would be drawn; the skill test could only be made a resource skill test once, and the condition for testing that skill test wouldn’t change."