Ciaran,
The developers have said that they were getting a lot of negative feedback about the XP debt mechanic. They didn't say explicitly, but I think they were getting this data from people who took the trial and didn't sign up or from people leaving the game.
I don't know -- but my guess is they feel they are having trouble retaining new customers and that this game mechanic is part of the problem.
I seriously doubt they are actually trying to help players like me, because, let's face it, despite my complaining, I've been paying them steadily for almost 2 years, so obviously I like the game.
I do, however, think the equipment damage on death mechanism needs to be scaled back or dropped entirely. Primarily because it is really really annoying. I honestly don't care if I have to bind items or replace them periodically (although I think most people will care more than I do); I just find repairing to be a "chore", and I have enough chores in real life (that stupid shelf in the office is falling down again because I used the wrong kind of anchors for the wallgrumble... grumble...).
Cheers,
Dariun
P.S. This is the more than one word explanation for my flippant "money" answer.