You don't understand it? You don't need any heirlooms to play. You don't need to be level 31+.
The heirloom system and higher levels is for people who want to play more actively. Same with Strategus which is / was mostly only possible with either an active clan, a bigger group of people or a good reputation as reliable or skillful fighter and player. The casual people can use Skip the Fun, get 10k gold, play for some hours and can easily use mid gear (- high gear, plate ofc needs more time due to upkeep). If you want to play casual you don't need heirlooms, you probably even don't improve that much in the game and you're more out for fun. Casual means you play when you have time, you don't want the highest achievements available (looms, high lvl), you don't care about competetive things (strategus, now: duel ladder). You only seek the fun.
And Skip the Fun Characters or maybe normal characters (lvling up to 31, once) are enough to have fun.
If you want to reach the highest level, and only have looms, you cant play casually, you have to put more time into the game or play some years. Your choice. No one forces you to play for looms or "grind" to a high level. If you want it, do it and level up. If you dont want to do that, play casually and enjoy the game like it is meant to.
That is why I tend to be a calm guy, I never rage and therefore I have fun even if I die.
Tired of a build? Skip the fun chars can be respecced once a week. Enough to try every build for a good amount of time.
90% of all builds are perfectly fine at level 30.
That's understandable, any average joe can come by and instantly hit 30.
Very nice feature to try out a test build before actually going into it for more active players.
However, what is the difference between them and the player who is fully heirloomed and has gotten up to level 35?
Don't you see, the time it takes someone to "reach" level 35, they have already gotten enough experience with the game to be able least somewhat "good" at it, they do not need the
EXTRA attributes on top of their
fully heirloomed gear.
The limit to what is "maximum" is a bit too far out, that is my point.
This is speaking in terms of balance and progression.