Guys. Chill.
1) You can take negatives higher than bonuses you get.
2) You CAN choose to not use (i.e., turn off) your powers.
3) If there is a dice pool that is benefiting from an Adept power or magical spell in any way, you take a dice pool penalty.
4) If there is no dice pool associated (i.e., initiative rolls), the rules don't cover that. My gut says Initiative would just take a flat penalty, but for now don't worry about it, it'll be addressed in the final version of these. For now (and for Missions) just let it slide. unless you're in a Mana Void or Flux (BGC 13+), in which case you start taking damage.