Totally agree with that. Funcom treats f2p players as 2nd class customers, regardless how much they spent in the store. If you don't sub, you're limited, at least for the gold limit.
Funcom should introduce the f2p system as an equivalent payment system. This does not require much changes:
1. Give full access rights to all chat channels when customer has spent more than 1200 points in the shop.
2. Offer an option to remove the gold limit, maybe for 600 points.
3. Give f2p players full access to everything ingame (all dungeons, raids, khitai etc.), but increase the cooldown, i.e. 7 days for khitai reputation quests, 14 days for khitai 6-men dungeons, 28 days for raids. Then sell cooldown remover in the shop.
Additionally, Funcom could give more benefits to subs, i.e. more exp, more aa, one piece of vanity armor every month like they do in tsw, etc.