100 gp is basically free - very early in the game you easily bypass that. So they may as well make it free. I agree that it should be off in tactician (or limited to 1 respec) - learn to live with your choices or, learn the 5e rules (they are short). They *warn* people against multi-classing unless you know what you are doing - MC'ing seems to be the main 'justification' for having such a cheap respec. Way too many people are allergic to reading - 5e is the simplest modern D&D system to date. That said, Larian have done a poor job of explaining 5e rules - and their deviations from the rules only serve to muddy the waters further.
I don't recall being able to respec in BG1 or BG2 (or many later games). But now it seems to be viewed as indispensable - although when people didn't have it, they did perfectly fine.
