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It is interesting, because what it sounds like to me is that some of you haven't figured out the ability and skill system, or you are working in areas that are too high for your current setup.
One thing that is not obvious in this game is that immediately trying to start a Deck path when you start a new character will often leave you too weak in the beginning. What you have to do is go DPS as you are leveling up, and then start putting points into the Deck you want. You have to think of it in stages. Early build is first, where you are just trying to start establishing your character, and then your deck/elite builds which take much more time. DPS seems to be best for early builds, so put points there in the beginning to build up some combat ability. You can get as much AP as you are willing to work for, and later on it comes much, much faster, so don't worry about your Deck.
I went for a Martial Artist deck in Dragon, which is a Tank. However, it really doesn't become a Tank until towards the end of getting all the abilities. Even as far as 2/3 of the way to completing the deck, it still wasn't an effective Tank. Once I was done and had the deck and the ability to tweak it, it made a killer tank.
I've heard the same problems from people who try to go pure healer from the get-go, and you just can't do it solo. You have to put points into DPS along the way so you are an effective character as you build up your Ability wheel.
Try to remember that you are going to end up with at least two builds in this game, and for most people, one of them is going to be DPS so you can "level" up. The Decks are a little confusing, because it seems like they are giving you a path through the game, but for many of those decks, especially non-DPS decks, that just isn't true.
Something else that is really cool about this game, is getting to know your available Abilities and Gear. I was running an elite dungeon last night, and we just couldn't get past this one boss. Someone suggested that the tanks and healers switch out one piece of our respective tank and healer gear with a piece from our DPS gear so we could bump our group average DPS up a little. We did this without changing anything else, and were immediately able to beat the boss after several previous failures.
This game is about being dynamic, and even when you are questing you may have to tweak your abilities and gear to better fit the mobs you are dealing with. I think it's very fun, but it certainly doesn't hold your hand, especially in the beginning.
A sure sign that you are in an old, dying paradigm/mindset, is when you are scared of new ideas and new technology. Don't feel bad. The world is moving on without you, and you are welcome to yell "Get Off My Lawn!" all you want while it happens. You cannot, however, stop an idea whose time has come.