5 Loompoints for 81 million exp? How about NO?
You are aware that is 1 loompoint for every 2gens, right? That is somewhat fair, sure people don't want it, but, if you're tired of your build, and don't wanna lose 40,5mil respecing, and can't afford a free respec, the devs give you the option to retire and gain SOMETHING more than just 1 loompoint, it's meant to get people to retire who don't wanna play with their build anymore but are highleveled bitches, it's not meant to enforce people to retire or have particularly amazing and awesome benefits.