This pisses me off I am a frequent user of the ignore function in most games. So here I can only ignore someone who I feel actually deserves a chat ban. I could see an auto chat ban at a certain report threshold be it a very very high one. But I should be able to ignore people all day without thinking about it.
1) If this game resembled any edition of D&D you might actually have a point. 2) 4th edition the edition this is supposed to be based on allows retraining so your point is moot.
Actually 4th edition the game this is pretending to be based on has retraining you could trade out a feat or skill or power every level. That would be more than enough to fix up mistakes made along the way. The bigger issue here though is that Viable for PVP and Viable for PVE are 2 different things.
If your rogue in 3.5 was not tossing out a bucket full of dice in damage every turn in combat you were doing it wrong. Step 1 Get a decent str or take Finesse and 2wf chain Step 2 Tumble or shift into flanking position. Step 3 Squish BBEG.