Eh, you can still swap BGA chips, it's just not easy like a socketed CPU is. The real enthusiasts (the ones with the capability and knowledge to do it) will be able to cope as long as the BIOS' of the mobo's support more than one CPU.
I'm still a little unsure about this, though. One report I read said that Skylake will be socketed again, and if that's the case, it doesn't even really matter (along with not making any sense. Why would Intel go back to socketed CPU just a gen after moving to BGA. That's ridiculous).
Even though the rumor seems to be rather widespread at this point, it is still just a rumor after all. We'll see. It's hard to see any way a full line of CPU's being BGA only helps Intel right now. I know, looking to the future, it's probably inevitable for every CPU from any manufacturer, but 2014 seems a bit early for that.