Let’s explain through an example :
I have a full dexterity character, I found a non-dexterity weapon, I look at its pattern, and I wanna try it.
With no refund available, I have to make a new character. I join the realms and my character is so underlevel it’s hard to even get to sacrament, and its experience grinding is such a burden.
So we get to a point where when you find a weapon which you like but you have to start in a different realm to grind before switching to the realm where the weapon is. It’s counter-intuitive and saving stuffs for other characters doesn’t feel good while you can’t respec to try using said stuff neither.