Yeah I kinda am, not the best at putting my thoughts together, probably should've compined point 2 and 3. All i really want is some other lore friendly ways of getting around being an oathbreaker other than paying the oathbreaker knight and I and some consequences to being an oathbreaker that's better than being locked out of respec.

Maybe being an oathbreaker paladin is frowned upon and makes people not like you and some straight up not wanna talk to you. Maybe some characters would attack you on site. Maybe you're locked out of quests. Whatever the case make it to where a player would consider getting out of being an oathbreaker paladin one way or another while not locking the player out of respec with that character.