I dont like beggers. Often I get asked that infamous "crdz plz" just because I am high level. I'll help with tradeskilling, educating, and even do some farming from time to time, but I will never give away credits just because someone is too lazy to roll a mission.
I get insulted for this on occation, but I remember when I was just a n00b, and I had to make my way. It made the game enjoyable, and I learned a lot in doing so. If I started this game at maxlevel, with maxcash, I'd have learned nothing and been bored out of my mind in a month or 2.
On topic, I think its is a really good thing. Personally, I'd have loved to see Ingots stay in the game, just give hecklers a 99% chance to resist AoE effects
Makes people actually WORK for their loot... I dont think Ingots would be so overpowering if you had to work for them, its mainly been those who farm them on a large scale thats been causing the problem.
Also, on a related note, giving hecklers AoE resistance would also solve that issue of people who level off of kiters. Nothing worse than seeing 5 lazy bumps on the top of a hill, just trying to get from 110 to 170 while they are asleep.