You're not the one who's stupid here. Having to choose between such a high cost as that at level 22 or rerolling is ridiculous and fairly stupid design.
... or I could play D&D with my own friends and have a ball. These arguments are useless. You need different builds to be competitive in pvp and pve. Given that fact, there's no reason respecs should be this hard to get. This isn't your tabletop. This is a MMO trying to compete in a market with much better business models…
The other way to get a respec back in tabletop D&D was to ask your understanding DM to allow it. Not usually a problem. As far as making choices in this game, I'd rather not have to make the choice between pve and pvp for my character. It'd nice to be able to do both somewhat proficiently.