I know this is kind of nitpicky but…
It would be nice if I could experiment with a character. Pick an archetype, spend the initial RPXP/CombatXP/Karma but if I delete it before leaving newbie school that it just return the Karma to me instead of acting like I spent it. Turnover on characters overtime is healthy for the game and lowering the bar and pain points to people testing or theorycrafting concepts will help them get excited.
Also I literally just did this, realized it took my karma off my main, went oh shit, deleted, and have to unbank it. Feels bad and bad feels minimized are happy players increased.