Ok, your analogy of cars/bike is just stupid. This is a friggin game, your comparison isn't even close. For leveling, its easy just to spread your talent points around so you can fit both roles and not waste credits. As for the second part of your post, it contradicts the first part. While I agree there should be a cap on the max respec cost, but if people are dumb enough to respec 4-5 times a week they should be punished, in this case by paying for it with credits.