ToME: the Tales of Maj'Eyal

Generic tree(or two). Buyable in-game for all money you have. Gives huge bonuses across the board - resists, saves, powers, crits etc, and may be some utility powers too. Penalizes for gear you are equipping - proportional to worn gear tiers and money you have (3% per item tier, 5% per 1000 gold). Gives bonuses for unspent skill and cat points. All money you get from transmogrification are automatically sent to charity of your choice, giving you small, but permanent bonuses (different charities-different bonuses).
Similar to Vow of Poverty in D&D http://www.dandwiki.com/wiki/Vow_of_Poverty