So, there are a few things that I noticed that are making people refund this game, run as far as they can, and never look back:

The optimization and having to go through the .INI files to increased fps, camera zoom-out increase, etc. At level 45, there is absolutely no content. There are no battlegrounds, no arenas, PVP ranking system with its rewards does not exist, skill point acquisition is broken. Basel Canyon the main PVP map is 100% empty with no mobs, no royal quest, no honor quest, no daily dungeons. The two "end game" dungeons that we currently have drop the same gear score. USING THE DUNGEON FINDER DOES NOT TELEPORT YOU TO THE DUNGEON. IT ACTUALLY COST LUMINA TO TELEPORT TO YOUR TEAMMATES.

And then there were the server launch issues. There are people who managed to get into a populated server but their friends cannot play with them because of the over population, forcing a complete server, character, and faction lockout.

Lumina is not account wide. Neowiz said that this is a glitch that they are looking into because the Lumina is supposed to be account wide.

These issues are more than enough for people to just drop the game and get refunded.

HOWEVER, speculation is that the reason there is lack of content at 45 is because of the early release. It is also speculated that today, after the launch happens, everything that was missing will be implemented into the game. This is made to stop early release players to go crazy with their potentially overpowered gear because they had 48 hours to do whatever they wanted, and can cause havoc to the other factions that are leveling fresh after the early release. But we'll see how it goes.