Firearm hombrew

In my setting firearms are more prevalent, but I'm not a big fan of the existing reloading trait. So here's my homebrew version:

• Gunpowder:
  • This weapon deals direct damage. Once this weapon has been fired either mark a stress or make a finesse roll (15) to reload it.

Maybe it's dumb or totally unbalanced, but I think it's interesting. I'd love some input.