Debt really does not get too much worse if you die at a higher level than a lower one. As dailies and quests give you more EXP reward comparatively, you can get out of debt about the Runes of Magic Gold same regardless of what level your character(ROM gold) is.EXP is not the only thing you gain from killing and questing though. You also gain TP(Talent Points) which are used to upgrade your skills. Your TP gain is "tied" to your EXP. Therefore, when you go into EXP debt, you are also going into TP debt.This is where the tricky little thing about death in RoM comes in. TP gain is rounded to the Runes of Magic Gold nearest 10th. If you gain 100 EXP, you will also gain 10 TP. Likewise, if you gain 153 EXP, you will also gain 15.3 TP. But when you die fractions get lost. What does this mean. It means when you normally get that.3 of TP, but you keep dying, those fraction gains get dropped. The result is, that if you die more often than someone else, overall you will be gaining less TP. We call this slow loss of overall TP gain, through frequent death, EXP Debt Fatigue.
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