LOTRO clearly does not have an artificial timer.
If you argue otherwise, then you simply don't know a thing about retraiting in LOTRO.
Money is also an issue to the casual players in DDO as well.
Therefore, the costs would be comparable (assuming that 50 gold is really a significant cost at end game).
I'll repeat your position: "Respecs are a bad idea because WotC may not like them."
It's an appeal to authority, or a very illogical argument.