To begin with, yes, i need reset, and yes, i don't have money xD.
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Anyway, i think it would be nice to have some sort of reset quest ( for example, collect some things, recite a poem, bake a cookie, slay some custom monster* stuff like that), so that people without money could also reset. Furthermore, people will be able to choose if they want to spend their money or time to get reset.
* for example, doppelganger version of yourself. Something like you have to defeat yourself to be reborn @___@.