re: bold part
This keeps coming up and I totally agree. I’m not suggesting people should be able to swap it in a mono. It may even be argued that they shouldn’t be able to swap it in a timeline still in progress. Just in towns and EoT. I’m cool with either.
As for gold vs exp, this comes down only to the costs of each. The game already needs more gold sinks and things to make gold meaningful, so this is probably a reasonable compromise.
Let’s look at a couple hypothetical examples. Assume each point is 1,000g to respec.
Level 10, first character.
1k is a lot of gold this early in the game. Just resetting a skill level is probably not a big deal.
Level 10, subsequent characters.
1k isn’t much gold, but it still means waiting to buy more stash tabs, not buying Runes of Shattering, or less/no gambling. It’s affordable, but still carries secondary implications.
Level 70, plenty of gold in stash (say 200k).
1k is easy to make, but you may need to respec many points because you want to completely change the direction of your build (perhaps from fire crit to fire dot). You’re looking at either spending 40-50k gold, or a couple hours of leveling up again. Spending gold retains your power curve, but is not a small amount of money.
Veteran player, millions of gold.
The gold cost no longer matters to you, but you’ve played long enough that you have earned this kind of privilege. Perhaps you’re really stingy or just don’t find exp a big deal since you play so much anyway, so you generally just dump the exp anyway. Neither cost has a huge impact on you.
In general, I just see it as an overall improvement that keeps players engaged and willing to experiment with their builds because they are choosing the cost–it carries a lot less negative baggage this way.