The problem with the 50 economy is that I shouldn't have to choose. If I choose to run dungeons in a group and we don't wipe I shouldn't have to pay more in repair then what I earned in the dungeon. Yoshi has stressed that you should be able to play the game in anyway and not be forced into doing something that you find boring. Significant repair costs should only come from dying and not from doing the day to day to stuff.