I made a thread on your General Discussion about this. I actually got a response from Jacko, who is labeled as a Developer. His exact quote was "Upkeep starts at level 25 and/or at respec.", now I don't know if you just haven't had enough level1/gen1 players to notice this, or just nobody has said anything about it.
As it stands now my character is level 23 and I am currently paying upkeep. I have not respec'd, I have been paying upkeep since I think level 8-9, but I know for sure since level 11. Also I have 4 friends who I have convinced to play, they are all playing and are currently under the cap of level 25, and also paying upkeep.
Now, Jacko also said "There are other factors involved with upkeep, but generally level 25< gen 1 does not pay upkeep." which basically contradicts his previous statement about it starting at level 25, by implying that it can start before level 25, but gives no reason as to why.
I don't know if this is a bug, or the system isn't working right or what. I hope that maybe someone sees why this might be a bad thing for your under level 25s who are new to the game. If I am just wasting my breathe, because nobody cares or whatever please just tell me so I can just playing now. I've already had the pleasure of trying to reason with this great community.
Also, I made a new character and I am still paying upkeep, as per his suggestion.