I don't particularly like it, especially since new characters are strapped for cash early on in the game. It's not really an issue once you've progressed to a decent point in the game, say Maatu Keep? That isn't far, and you should have a decent amount of cash from doing quests by then, and the cash comes in steadily after that. Up until then, new characters probably have some cash flow issues. There's no problem for Tyrian characters, as you should have some money laying around by the time you come over on the boat. So it's annoying, but in limited circumstances, and in those circumstances it seems very unnecessary.
For Canthan characters, something needs to be done. Think about it, once you get to Kaineng, you need max armor, near-or-max damage weapons, and probably a few new skills. Armor is 1.5k each. You need 5 pieces. That's 7.5k, plus crafting materials, or a lot of running around and hunting collectable items in the slums with monsters that are a few levels higher than you and can kick your ass a lot easier when you don't good equipment. Even if you run around and do every quest on the starter island, and farm a bit while reaching level 20, do you have 7.5k plus materials when you get to Kaineng? Probably not. Have fun farming money or collectable items and getting killed a lot for a while after you get there.
Oh look, new skills in Kaineng! You probably want some of those too since the next few missions will probably make you adjust your build once or twice and you don't have many skills from your training at Shing Jea. Your wallet will be wrung out for a few hundred gold from buying a few skills for your primary and secondary profession.
That's a lot of cash to ask people to cough up so soon in the game, or a lot of farming for collectables around Kaineng which means since you only get 1/8 of the drops you'll be at it for a while. It wouldn't be so irritating if they didn't shove you up to level 20 and do it in such a small portion of the game with low-end drops and not much opportunity to save up for the equipment and skills you should have when you get to the "real part of the game". You end up having to farm your ass off for hours, either for money to buy new skills and equipment, or for collectables to get new equipment and money to get new skills. It's a chore, and it shouldn't be.
*****Remember, Canthan characters only for the next suggestions, Tyrian ones have more opportunity to build up money and skill points before they get here and shouldn't need adjustments*****
- Why don't they bring back free skills as rewards and give us choice? Up until Nahpui Quarter, have some quests (not all of them necessarily since there's a ton in Kaineng and Bukdek and Wajjun Bazaar) that give a free skill and 175 gold as a reward to Canthan characters, and let the player choose 1 primary skill and 1 secondary skill for completing the quest. That way you can build up a decent variety of skills to let you experiment with builds, and earn a little bit of money to help offset the costs of new equipment and armor.
- Or, change some quests in those areas before Nahpui Quarter to have high XP and 500 gold as quest rewards for Canthan characters. That way you can still earn skill points quickly without having them handed to you, and save up money for skills and/or armor at a rate that is faster than what they currently have but not so obnoxious as to pay for an entire profession of skill unlocks or leave you with a sizeable amount of free money.