@ShakemsMaster Yeah, on the D3 beta forums there is already a lot of talk and discussions about the skill swapping and it's pros and cons. There was a blue response at some point indicating that they were not happy with people basically leaving that skill pane open the whole time to play and swap. Also sounds like they are already talking about trying out having them only be swappable in town. (ugh!) Still this is only beta and thats the point of it, to see what works and what gets exploited and then adjust the game before release.
gold balance I'll check on
As far as the soul bound stuff, yeah, so far it seems too nice, you can look for the best gear, leave it in the stored storage for new character, use it until the stats are dated, then stash it again or sell it. I'd assume they just haven't implemented much soul bound stuff yet.