[Persious]

I hated the drudgery of EQ2's debt system hated it with a passion, there was nothing worse then sitting there staring at a bar moving at half pace. Now if they had a slide bar that allowed me to determine how much of my xp gain went directly to paying off my debt I guess i could deal with it. Honestly though, EQ1's system was perfectly acceptable why mess with a good thing.

Both debt and xp loss do exactly the same thing they both cost you time. It is your perseption of how much time you have been penalized really and that is an affair of purely psychological nature. I for one like to cut my losses, get back up get right too it.