Players enjoying different types of content is good for the game. You shouldn’t have to pay 100g a week because you enjoy PvP and pve. This just leads to players picking one and avoiding the other all together.
Completely false. Anybody that has played POE knows this first hand.
Allowing people to swap talents and respec helps casuals more than hardcore players.
In a no-respec system, hardcore players know they have to follow a BiS guide or their character is ruined. Casuals make the mistake of trying to make their own build, then realize they didn’t pick some important talent and have to scrap their character and start over.