Now granted, templates havent been around for 8 years but still its the same concept, you are dumping it all in one pile and thinking its a big number. You dont have to max out all characters instantly. If you feel you do... well thats on you isnt it? And its going to cost you, exactly according to Anets evil plans. It also depends on how many templates (or build-outs as many call them) a player needs on each toon. For me, I'm very casual and the default ones were all I needed. Some players want the full amount available on every character. For them, sure, I can understand their ire at the pricing.