I said it earlier, I think in my "Third Impressions" post, but this game is very excellently balanced. The exact amount of time it takes to "reincarnate" is long enough to make it worth avoiding, but short enough to avoid frustration. The money gain in quests is just small enough so that regaining wealth (say, after buying a house you can't afford.. whoops) takes a while, but large enough so that the regain is quick enough to not be annoying. The exact costs of items are also, I've found, pretty well-reasoned and timed with the estimated amount of wealth a person might have at each skill. Each level-up is frequent enough so that it stays exciting, but spread out enough so that you almost forget about it.
I could go on, but my point is that the game constants have been very well-tweaked (or you're just extremely lucky).