I'm having basically the same problem. I have been leveling in Unrest / Oasis / UGUK from about 15 on and I'm at level 21. I have about 23pp to my name.
People actually have been helping me out, too. Heallun gave me some gear and some cash and a couple pp here and there, but I stupidly spent it on like, a robe and stuff thinking I'd get pp as I level.
I don't ever remember being this poor
[You must be logged in to view images. Log in or Register.] If you played progression server, you'd also know how ironic this is considering I was Tomtee there.