Kids are too used to the themepark design of MMO's, something Everquest and WoW made popular. What so many people are forgetting is that are other types of MMOs, called sandbox. What many people fail to release is that Yoshi is a develop who loves Ultima Online, which is a sandbox MMO. In a sandbox MMO, everyone works together for everything. Each person, aside from their battle class, has a specific role that they choose to take up in order to contribute to the MMO world. Everything, especially the economy, is in balance with one another. If all you desire is to run dungeons all day without any significant cost, then you may be in the wrong place. Perhaps with so many people complaining, I would not be surprised if Yoshi changed his mind and decided to add dailies or something just to make the whiners a little bit happier, and return to the boring ol' "grind" of dailies. It's funny because people cannot handle asian mmo grinds, but somehow achievement and daily grinds are very exciting.... though it's the exact same grind in disguise.
As for WoW and EQ, WoW's themepark design is well... just like a themepark. You pay 1 admission fee and you can enjoy everything without any work, either working alone or together. So no, it is NOT bad game design. You just are not used to it and you want everything handed to you. I am guessing you may be new to MMOs, such as 2004+, as every game since then, such as SWTOR, Aion, Tera, Rift, and GW2, all have been themepark MMOs where they try to make their game as convienent as possible and give you just enough rewards where you don't quit, but not enough so that you are content and happy. I hate that type of game design and I would much rather have it harder, but instead of the reward be immensely satisfying and large (like sandbox rewards). What you gain is what you keep and can be proud of for a VERYY long time, and it doesn't get outdate in the next patch.
Actually you are the mindless sheep listening to all the whiners. What you fail to realize is that there are repeatable crafting levelquests that net you 3k per completion and it can be completed 3x a day. So using 45mins if your time, you can get 9k a day JUST FROM HQ LEVEQUESTS. The second problem is that there much MORE money coming in from fates, quests, levequests than just the measly 5% loss. Also the flow, velocity, of money is much more important to the economy that what you lose from 5%.