Some ideas on making reincs cheaper!
Discount (exp) if reincing to same race.
Discount (exp) if reincing to same background.
Discount (gold) if reincing to same guild(s).

Discounts (gold) based on time since last reinc
Option to pay for guild gold costs with other methods. For example, exp
(doesn't go to totals), guild specific methods (beastmasters could submit
animals, nun tasks tied to a discount on levels, etc.)

Allow an option to leave a guild (get back free levels) without doing a full
reinc.

Allow guilds to train a small selection of skills/spells to members outside
guild. Rangers might train pathfinding to 50% to anyone, tarmalens might do
cure light wounds to 50% of anyone of good alignment, mages might do analysis
of magic lore to anyone, etc. Choose a selection of non overpowering
skills/spells to let us mix and match flavor a little across backgrounds!

Just random thoughts/brainstorming.
-Nu

Every 10th / 50th / 100th reinc should be free,
it just motivates people to reinc more and thus
removes money nicely from the game:)