Youre right, FC: Its too hard at the first levels. So far, so good.
BUT youre focusing on the LEAST problem.
There are basically three kinds of problems you run into, especially with your first chars:
Stupid allocation of IPs.
That you **** up your IP allocation with your first chars is of course the long term problem when youre new to this game, but thats part of the fun, getting significally better with the next char. I dont like the promised IP reset feature at all. It just doesnt make any sense RPwise, either. Go make a new char and do it better, I say.
Dying from being too brave/optimistic:
So, you die 20 exp points before a level. Tough luck, but hopefully you learned something of it. Lucky you, that all you lost was the exp. I suggest that after lvl50, you should loose the loot too, AND the creds. Away with it. You should be AFRAID of dying.
Then its the third problem.
Take a walk in Tir, or even worse, the Omni Ent or one of the backyards, and you'll see the REAL problem: CREDS. Hordes of beggars is the result.
As soon as you reach lvl70 or so, your chat window gets flooded by tells from those god damn beggars no matter where you go.
And hey - theres a reason for this! Missions gives practically NO creds in rewards/loot at the lowest levels, its hell even getting the creds for the biocomm to start making that plasma, for those that want to spend IPs on the bio skill.
So, my suggestion is this:
Keep the exp loss from dying unchanged, there SHOULD be a reason to try to avoid dying or you just as well shouldnt be able to die at all.
Keep the IP allocation stuck as it is today. Once spent, they are spent. Create a new char when you think youve ****ed up your current.
BUT LET THE NEWBIES BE ABLE TO GET SOME CREDS. A Biocomm could be part of the startup package, for every profession. Thats a start. Let the char get at least a few thousand creds on startup. That should help too.
And implement new ways of getting some reasonable amound of creds in this game, that should give some real help at the lowest levels.
Its IMPOSSIBLE to create a good char at ALL without donations/transfers, no matter how good/experienced player you are. You aint got the creds to do ANYTHING. You can FORGET implants, a reasonable gun, or sensible armor. Just forget it!
THATS why the lowest levels are so hard. As soon as you hit lvl20 and you start getting SOME income, its a breeze up all the way to lvl120. No more sorrows. But before that, it takes a lot of donations to have any fun at all.