I have never seen so much complaining about so little. VIP costs you $100 for a year. You get 500 x 12 or 6,000 DDO points back or about $60 of that. So basically $40 a year or $3.33 a month. It's like that paperboy in Better Off Dead riding around the whole movie yelling "I want my three dollars!" (updated for inflation).
Let's look at it another way.... I do a 1-30 (or 15-30) roughly every couple weeks on average. So let's say 50 past lives a year. So just the 10% VIP bonus alone is worth 5 extra past lives per year. Compare that to buying 5 Improved Otto's Boxes - really more since those don't get you the whole 1-20 or 20-30. You can't even buy 1 sovereign pot for $3.33 even in bulk.
I get long time VIPs maybe could have used the free quest coupons, probably are on 3rd life+ so can enter on elite, and could have just outright bought the bank space, character slots, monster manuals, and races one time versus paying monthly for years. But come on - it's basically $3.33 a month for at a very minimum the 10% stacking XP boost, VIP saga skip, and gold rolls. And I usually am making shards on the AH posting 20 items at a time as well so there is value there also.