I would kick someone if they had several thousands of FG and were wearing crappy gear. Why put in the effort to "carry" someone if they aren't even going to make an EFFORT to improve their characters?
I remember being in a group with some guy who seemed like a new player, really bad gear. Come to find out what the leader of the group /who'd him and noticed he had like 10kfg++
He was kicked. and when I mean really bad gear, I actually mean if he had used white/plain items every 5-10 lvl upgrade he would have been better off
We dn't need people like that in this game who use complete shit items and don't want to spend a single FG to improve themselves.
ofc if it's a semi- good group, I don;t mind crarrying a newer player with crap gear if the person IS TRYING to improve themselves. What people tend to forget is that THEY too were once a new player to this game.
I remember starting this game with ZERO fg, and am very thankful to those that helped me.
as for healing at lower levels, it is not needed with the current version of the game. Pick up a shrine or two and heal yourself. I start healing at ~lvl15-20 when I am playing a healing type character.
IMO, it's just a waste of space/xfer time to heal at really low levels. Ofc, I am entitled to my opinion.

...especially since leveling from 1-15 or 20 goes really fast if you have even a "decent" group.