The Game is 100% what you make it.
Gold - Basically become worthless if you want it to be.
Raising just about all skills - Basically can be mindless or even "rubber-banded" if you want it to be
Combat difficulty - as easy as you want.
Armor and weaps - as godly as you want with enchanting/alchemy loop.
Elapsing time - unlimited and with no regard.
With the above being possible for anyone who choses to play like that...(and I am not one of those people), why can we not respec?
Im a casual gamer who has made it to ~ lvl 50'ish over the past 6-7 months playing a few hours a week. And really looking forward to those hours.
Now i find myself less excited about playing bc i wasted many perc points on things that "sounded cool" only to now find out they are basically worthless.... Starting a new character would be even more painful with my limited playtime.
Seems like such a simple fix. Allowthem to be purchased or even unlocked by doing (more) mindless quests or something... Spending dragon souls on them (like in a mod i read about) is another option.
Just my opinion.
