Maybe I'm just jaded about the whole thing. If anything Exiles these days have it easy.
Back in my day I had to kill 500 gnolls and 6 very difficult heroic named while level locked at 17, with apprentice 3 to adept 1 spells, without access to a bank, broker, or even a guild hall. There were no Deities back in my day. Back then shared banks were also alignment based: Evils had a Shared bank, Goods had a shared bank, and you could not share them between factions.
This was also back when there were the Archetypes -> Class -> Subclasses. I was level locked as a 17 Summoner back then.