If you fail to survive on the hardest difficulty level, you'll lose your experience points. It is particularly violent that players also lose experience points if a member of the group members dies. This is why there is an overall punishment.
Monthly subscriptions with a store that does not include Pay2Win or Pay2Progress. What is the model of payment like? The MMORPG is based on an subscription model, meaning that you pay monthly to participate in the game. There's no precise price for this subscription yet.
The developers have already revealed that they'll also have a shop. But it shouldn't be Pay2Win or have XP boosts, or any additional slots for inventory. The focus is purely on cosmetic items. It is recommended that you only purchase these cosmetics in the shop and not available in the game. The developers are trying to avoid that prestige items from the game are bought in the shop.