Assuming you have, let's say an 8...which really is not a bad score. That is 16 picks, and a +1 to all knowledge...that is enough to get Language Federation and Native at say 4 each so totals of 5...leaving 8 more points, for 4 in each culture...Providing you with again, 5s.
Even providing you have this basically average intellegence, you have plenty to be fluent in 2 languages and cultures, I fail to see how this is too much considering most people of this day and age don't have 2 fluent languages or knowledge of how 2 cultures work. In fact, if anything it may be a bit much to say the average character can be fluent in 2 like that...
I am just going by todays standards and DND rules where an average character has 1 language...