first of all you said that your hard earn money would be waste on namechange? Then you should think wisely what will you use for the TC at the end, if you desperate enough to earn TC to get a namechange and you finally did it, i won't say that as a waste. it is all about priorities man. 100k in these days is quite easy to get, a lot of chances you could strive.
second, from what i see there is a reason on why it was set to 100k. Like Solax said, it is a precaution to a continuous change which will annoy the staff. Yeah i know deciding a name is the hardest thing to do, but you still have to work for it. You think there is no 2nd chance? but there is already the second chances option, the staff is kind enough to give this option as a second chances.
personal info: i have been aiming for a namechange since like the beginning of the game. And several month ago, i had a chance to get 1mil in one go.After i give it a thought, it quite a hassle to change my name since a lot of member known me as this. So my name remain as Tricerafi. But, the effort to get myself 1 mil is fun and memorable.
So i won't supported to lowering the name change price. Cause i think it is already as good as it is