I find this to be way to punishing in a new game where I want to try all kinds of different skills/setups; imo the penalties shouldn’t start until you hit level 75. It’s driven me away from the game for the day and I just bought it yesterday and I’m betting I’m not alone 
Please feel free to enlighten me if I’m missing something to alleviate this.
The skill respec cost has been lessened significantly over the last year or so, previously whenever you respec’d a skill point it would be lost & you’d have to level it up again. Then they added minimum skill levels (as you level up, you gain minimum skill levels, this means that any respeccing at or below that level refunds the points) & accelerated levelling (if the skill levels are below a certain level they gain xp faster).
By the time you hit lvl 75, your skills are going to be somewhere around lvl 18/19/20 (I can’t remember what to be honest) which isn’t far off having a “finished” build.
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