Well I remember Guild Wars being perticularly punishing towards the endgame when you realized (OH FUCK, I picked a terrible combo) but that was for early adopters and really it didn't matter because well it had no subscription. However a subscription based model with 60-90 levels should allow atleast fresh-faced players during the first year of the game being out the chance to respec their entire character for free, just once. There is no reason to punish a paying customer who has been playing the game so long. Just silly is all, and to think it upsets other players says a lot about the typical MMO player.