The reddit is a bit crazy lately. I've also read several opinions on there complaining about this very thing and, while in my case I haven't been affected by the nerfs, I have changed my passive tree several times and, although it has hurt me a couple of times because I've spent around 20k gold, it doesn't seem so bad or expensive to me either.
Besides maybe it's just me but I think I have enough gold accumulated to make these changes comfortably, I don't spend a lot of gold on other things, at least for now, I'm in the second run of the campaign in cruel.
The people complaining the loudest appear (so far) to be people who went all in on a crazy build they saw on youtube, which required very specific interactions and highly-specialized trees.
I haven't heard anyone complain who's just playing the game like you and I are.