Rift crystals are an in game currency, you don't need to pay money for it! I've been recruiting companions 1-4 lvls above me all the time, I'm lvls 30 now, with the in game currency. The higher the pawn is you get less exp so it's not something that you should do anyway.
Imagine thinking that renting a LVL 200 companion is core gameplay. Geez...
This game is an improvement over the first one in almost all sides, with great content. It's stupid reading all this takes from people that clearly have not played it, let alone the original.
And before you mention the eternal ferrystone from the original, that came with the expansion, not the release.