Spell research library. A place where wizards can go to learn spells, without a trainer. Before thinking about how unbalancing this would/could be, please, hear me out

Platinum costs: 500(or more) plat to join the library. Membership could/should also require a quest, sorta like a Trade skill. In fact, instead of membership requiring a quest, let's just say that: Research is a trade skill, requires a quest to complete. Non-membership doesn't bar acccess, but doubles the following the price of using the library.
Basic fee for members = 5 plat per IC day. Researching a spell would take 1 IC day per spell level, per point...
Example, if you want to research Magic Missile 1: spell level 1, first point, it would cost 5*1*1 = 5 plat and 1 IC day. 2nd point would require 2 days of research, and thus 10 plat.
Example 2, fireball. Level 3 spell, first point 15 plat + 3 IC days. 2nd point 30 plat and 6 IC days.
Max researchable for -any- spell would be 5 points.
Final stipulation: In order to research a spell, you would need spell level +12 int.(IE 2 higher than required to cast said spell).. that means to research a level 9 spell, 1 point, would require 45 plat (for members mind you, 90 for non) 9 IC days (18 RL hours) and an int of 21.
Also, while researching a spell, no other actions can be taken except eatting and drinking. Codewise, this would work sorta like being in jail. Can't go anywhere, and every few hours an attendant brings you food and drink (part of your 5 plat a day =P). Time passes whether on the character or not.
Now, I think these things make it prohibitive enough that someone isn't going to run to the research library casually. This is a last resort for finding a spell that just isn't available to someone any other way, but that they REALLY really want. Perhaps such a library/research center could be at Candlekeep, where Mystra's mages keep peace. All who seek knowledge of the weave are welcome. Any who do any harm to any other in this place are executed, their body burned, and their souls punished by Mystra.. or something equally severe.