when you are max level and do astral you have gained enough gold to make at least level 4 runes
if you play regularly you will soon have level 5 runes, at least off, and with that you are already fine for everything not "highend"
ungeared players usually make no good heals for endgamecontent anyway, matron is there for a reason and rookies should not heal or tank, they should just dps, its not problematic if a dps does a bit less dps, but if the tank or the heal fails it goes critical fast; for the whole group