You seem to be looking at the merit system differently than others of us. To me, merits are that little bit of extra for the jobs I truly enjoy. I max out sword merits and its "Now I'm a little bit better when using a sword". If I'm interpreting you right, if you don't put any merits in sword, you see it as your sword skill not being capped. The only thing I could see as a hinderence to another job is the emnity+/-, just because some jobs want the hate and others don't.
This is reminding me of when I played D&D. I pick a rough idea of what I wanted with my character, and would maybe end up with 2 or 3 classes. Other people would spend hours trying to min/max everything they did trying to take 1 or 2 levels from 10 different jobs, then complain to the DM that the experience penalty for multiclassing was unfair.
I understand that there might be tradeoffs to being strong in one area but having to become weaker in another and I'm O.K. with that. But not everybody thinks that way.


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