I like that as an idea. Kind of similar to the feat in PF that lets you pull any item you could have reasonably bought at the previous town out of your backpack without having to buy it in advance.
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We use “I Know a Guy” or “I Have a Thing” as options for inspiration, instead of just giving yourself advantage. The party loves it and prefers it to improving a dice roll here or there.
It’s been used for mundane things so far, like having some pebbles in one’s pocket to toss and make a distraction, or knowing someone who could assess a gem before going to a merchant and (potentially) getting ripped off — and these have been some of the most rewarding scenes for the group!
It's interesting to me to see DND players reinventing other systems.
Fate handles this pretty elegantly with fate points and "declare a story detail". You can spend a fate point to be like "I've got a buddy who runs a off the books car shop. He can get us mobile without paperwork". So long as the table thinks it's cool and you have the fate point to spend
CofD has merits (think feats) for contacts, allies, and status. That covers some of this well. If you have points in contacts: criminals you can better find someone sketchy for your needs.
All of that said, it's a fine idea. DND is just really lacking in a lot of systems other games have fleshed out.