I've been sitting here this whole time trying to figure out who would actually take the time to go back to the boat and respec over and over and why. Like would people really go back to the boat so they can get persuasion success on every single dialogue? That sounds boring. Why would anyone do that? Who cares if you fail a persuasion, it's part of the game and part of what makes each playthrough a unique experience. It's part of your story.

Unlimited money? I don't know about you, but I already don't have a money problem, so I'm not sure how this would really affect my game much.

These are the only two points I've seen against free respec and neither of them are very convincing. Perhaps you need to use your free respec to put some more points into Persuasion.

I'm also trying to imagine myself being upset about others utilizing either of the above and it's not working.