Someone once suggested (and I'm sorry that I don't remember who) that once a 1st life character hits 20, it would be auto-granted a true heart. So imagine something like the Korthos beach adventure + iconic level 15 gear box combined to create a quest to the Life-Giver and walk a player through their first TR.
If SSG is so worried about losing precious heart sales, maybe they could limit it to 1st time per server or 1st time per game, IDK.
Maybe one byproduct of the hardcash server will be that jaded vets will see what a rough time new players face when starting DDO.