If I want a monk chest from T5 I'm going to have to go in as a monk, rather than a class I'd rather play, like bard. How is this any different? People are just playing on classes so they have an opportunity to roll need even if they don't want to play that class. Moreover, if I'm so out geared for the content, then why else would I be wasting effort doing it if I didn't want the loot?