I think the main thing is that the OP wants to keep their gold cap at 5g for personal reasons, not because they can't afford raising it via points or money. Like a psychological thing, or to make the game more challenging by playing without buying anything in-game with gold. The problem is that this is an uncommon POV, so the devs aren't going to put it as a priority and lower the cost of LI reforging to <15g. They probably just thought of a number and went with it.
To the OP, I'd suggest perhaps writing a ticket with your concerns and see what they say. Maybe they will grant you a reforge (at least one) for free or less than 15g? It's a long shot, but worth a try. Or send Cordovan a PM.
Gwinthilnel: Elleth Hunter lvl 140~~~Hadniel: Woman Minstrel lvl 115~~~Gwynduilas: High Elleth Captain lvl 62 ~~~Gwindethen: Elleth Runekeeper lvl 28
Kin: The Cliff Divers
Evernight