"The only people complaining about debt seem to be people new to mmo's or who have only played wow."
You left out: people who have played six MMO's and have formed the opinion that out of all the systems they have encountered, XP debt was, in their opinion, the worst.
As I said before, it's my opinion. Disagree with it but don't make wild, nonsensical statements like the one quoted above. Your fanboy T-shirt doesn't make your opinion worth more than mine.