Boppa some of us like putting some thought and work into our characters.
You never need to do the 100+ level thing to max out stats, all you have to do is change professions. As for cash limits in the game....cash is the least of my worries. Oh maybe in the beginning its a bit tight but as you go along you can aquire a fair supply of currency if you are a miser like me
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Disintigration is easy, If you really want to impress me, ReIntegrate it.