The reddit is a bit crazy lately. I've also read several opinions on there complaining about this very thing and, while in my case I haven't been affected by the nerfs, I have changed my passive tree several times and, although it has hurt me a couple of times because I've spent around 20k gold, it doesn't seem so bad or expensive to me either.
Besides maybe it's just me but I think I have enough gold accumulated to make these changes comfortably, I don't spend a lot of gold on other things, at least for now, I'm in the second run of the campaign in cruel.
RE: Path of Exile 2 Respec Costs Feel Just Right