Remember, in HBP, you were required to use blood to get into the chamber, and then you had to drink the potion. Dumbledore also made the point that the boat couldn't detect Harry in the boat because he was not an adult wizard.
Now, what if Regulus brought the blood in the bottle, and took Kreacher with him. He didn't have to weaken himself by cutting, and the boat wouldn't have detected Kreacher, since he is not a wizard. So what if Regulus had Kreacher drink the potion, allowing him to get the locket. That could explain why Kreacher looks so bad and acts crazy - could be a result of the potion.
Yes, that would explain much.
Very, very interesting theory!