But decisions have mattered. Respeccing afterwards doesn't change those decisions, they're done.
Imagine all the care and attention required to figure out being a druid at a certain moment gets a reward, so you respec to druid, have said encounter and get a little power-up. Then you do the same for bard, and so on.
My gosh, the tedium of such skillful play deserves more than the paltry rewards you get. If anything, Withers should pay _you_ 100gp for time and effort. At the very least, you deserve the minor class rewards.
Not to mention the gear. You can't respec to bard at say level 5 without having gear set aside for that. A growing amount of your power comes increasingly from gear. You'll nead whole outfits of weapons, armour, rings and amulets ready and waiting for the respec.
Again, such a dedicated player deserves pay-off for such foresight. The rest of us are already in Act 3!