The key question needs to be asked.
What is a respec meant for and how does it make sense in a roleplaying game?
Here, the use of a respec is totally inflationary, which makes absolutely no sense in an RPG.
If the game system is reasonable, then we don’t need a respec.
Sure, you can make mistakes, or you like the class, but didn’t know the skills in advance and after testing the skills, you want to find your final kill, that is what you want to represent in an RPG world.
There can then be a very restrictive system that gives you 1-2 times along the way a chance to change your mind, preferably as an immersive quest series credibly embedded in the game world.
But it must be prevented to turn an RPG into a laughing stock, where there are no values anymore and class systems are smoke and mirrors. Then you might as well leave the RPG if you constantly lead its development path ad absurdum…
The story of a character is his past and his development.
I am also the person I am, through my choices in life and my actions.
I would be nothing, a collection of cells, if I could change everything at the snap of my fingers.
A soulless piece of meat without a character without a presence without a story, nothing…
We are debating here about a constant devaluation of the avatar by the push of a button.
This is all anti-RPG and only makes the games worse.
As said, there may well be a respec for a few exceptions, but otherwise it must be restrictive and not possible.
Even such games, where there are no more classes, but you can freely kill in huge skill trees and be anything, are much much worse and weaker for RPGs than class systems and their valuable content that you can attach to it, such as a huge beautiful embedded in the game historical adaptation of all the orders, clans, guilds, monasteries, groves, etc. that then belong to the classes and you can build story and stories around it.
What could be better in an RPG than to have, besides the main story, a wonderful organized world through classes, all belonging to their houses, guilds, sects, maybe even divided into good and evil etc…?
If this breaks away, the RPG is already only half as good as it could be. That was almost always the case.
It’s always better from an RPG point of view when there are fixed classes and a lot of content and path is tied to them and you have to decide. But you are rewarded with a lot of content and real recognition value all the time.
How boring is it when you can be anything and always just re-skill… That hardly has any traction…