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Thanks to "You owe me one!" and Black Market, you can potentially turn anyone into anyone else. Having Norman Withers pick up a copy might be the best way to set up a guaranteed hit on Black Market, or let a teammate know when to play You Owe Me One without table talk. So what is this crazy thing actually good for?
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Access an investigator's stats and ability without having to cope with their weakness
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Combine one investigator's signature card or deck building options with another's abilities.
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Swap in or out of Investigators whose abilities affect set-up, are one-shot, or have notably better value in the late game or early game.
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Theoretically you could just take it as a toolbox card planning to adapt yourself to the needs of specific scenarios. But it's probably not really worth it without a plan.
What am I most excited for?
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Turning Preston Fairmont into anyone who's not Preston Fairmont. You get real stats + a special ability + remove the handicap on normal resource-generation effects. The same "My ability is really a permanent" trick works to bring Lily Chen's disciplines or Luke's Gat Box into any other investigator.
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Turning any mystic into Patrice Hathaway so you can draw 5 cards per turn with a lean deck and access to level 5 purple.
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Turning other Seekers into Norman Withers or Monterey Jack to get their powerful abilities without thier deckbuilding restrictions.
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Turning Sister Mary into Michael McGlen?
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Turning anyone with a lot of healing directly into the second-stage versions of Hank Samson, or turning Hank Samson into someone else to get around his no-healing rule.