The game that prides itself on freedom of choice currently does not encourage .. nay, its punishes its players when they try to experiment with their characters; be it coming up and testing new talent builds or trying to find a balanced split between stamina/mag/health.
Please, reduce the costs across the board or design a system where one can unlearn specific talents of their choosing instead of a complete wipe/reset.
Having gold sinks is important, but preventing (read: gold is finite) players from enjoying their characters and experimenting with available talents/morphs is bad game design.