I agree with the second part of what Patchouli said.
Sometimes I tag along with G____G's higher level guildies xD And basically we both get something out of it o-o Well, obviously, I get pretty great exp from it without worrying about my HP, and just try to deal as much damage as I can. The rest of the party is still getting exp ... they just have a tag-along o-o
On topic - I think that it's nice that this plvl includes kind of a tutoring thing (unless they don't need it xD) I don't see how people can afford so much though o__o