I don't care about the plat, I do care about the time. It's all about time. If I'm going to spend my time playing a game, I'd like to have fun.. it's hard for me to view an experience like that as "fun".
Time is a valuable commodity and limited too. If I have to spend that time failing a quest because of something that is out of my control (this includes lag too), I would have rather done something else.
If you got 10% of the xp for every 10% of progress, this wouldn't be as much of an issue, but with DDO it's pretty much all or nothing.
So sure, when I still lived with my parents, had no job, no worries.. replaying quests because of something like that wouldn't have bothered me as much, but when the time you can spend on games become limited..