I look around myself and I wonder what has happened to fun.
I used to play City of Heroes recklessly. It only mattered if I was outnumbered to an insane degree. It only mattered if I was outmatched to a pointless degree. If there was a chance though, a chance of idiotic flailing and a slim hope of victory…. well I had to take it. What does it matter if I die and get XP debt? It might have been awesome. If we pulled it off it would have been.
This isn’t to say anyone is wrong in where they find their fun. It isn’t to say XP is necessarily bad or that levelling games are evil and sandbox games turn us all into accountants filling out timesheets and risk/reward statements.