No its not a crime, but as I said I think there are much more important things to consider when doing a PCB, that are way more important. You are focusing on somthing that if you take all the other factors into consideration would be sorted out by the good design practice you would learn and develop. And the amount of money you would save would not be more than the amount of money it would cost to reduce the points, so why not concentrate on real PCB design issues and save money. Sorry changed my mind; yes it is a crime:lol:
Flying probe may be slower, but it also takes time to build a fixed point test jig, wire it up etc, and a fixed point is only useful for that issue of board, same thing happened with final electrical test. At one point every node was just about tested, now its boundry scan and/or functional block testing.
To answer your question, all pads have tracks going in and out so none are end points, but inermediate pads on a daisy chained signal.