I think that should be reasonable for Zenimax to put a way to respec (by paying) single skill morphs without making us all pay thousands of gold. Why? Well, because respeccing a skill morph doesn't ruin a MMORPG. You don't totally change skill, you simply use it in another way, but the "base" skill remains the same.

Second, Passive skill tree traits should be also changeable without resetting ALL skill points. If I decide to start as a light armor dps and after I want to play as healer, passive skills with enhanced damage bonus are useless...so why not resetting them to "0" and invest points somewhere else???