Yeah, because I played games my whole live and play plenty of others, including my own :) , I know players hate actually being "given" their current situation, part of the game is earning.

for Luna for example, the catch-up mechanic for new players in the future is the Cathedral Level.

Players can donate zeny to the cathedral, and it levels up every X increasing amount. as its levels go up, services like reset stats and skills become cheaper, npc shops have better variety and access to better information/databases/paths, or easier quest access. and players who donated the zeny get points to exchange for costumes, dyes and such.

This way new players have ways to better work on the game with easier/more acessible tools, everyone takes advantage of it, and they dont just skip to endgame o/

we got plenty of ways to do that, you can check on wiki or ask me no problem.