The point about using Civil abilities in a crazy way with respecs makes sense, it is unbalanced. It's the good kind though, old school cheese tactics of manipulating game mechanics in a clever way.

I know that usually people saying "dont do X" if you don't like it can be annoying but its not like a certain ability that is really powerful, its you going out of your way to do something convoluted in order to maximise your gold. It works in this instance I believe. It's not hard to get absurd amounts of money without doing it anyway so does it really affect the game to such a huge degree?