Level 100 for casual players reachable?

The only reason lvl 100 is not basic stuff is because of the artificial way we are gated from reaching it (Xp loss and minimum xp gain by having no enemies at higher level). But leveling in itself is the base of rpg.

And if it's only for bragging right and doesn't add much to everything then why do we still gain Skill point behind those level? Why isn't there something behind that with no existing reason other than I can do it? It may not be much for most people, but those few skill point can still help. Yes I admit it I WANT THOSE SKILLS POINTS even tought it doesn't add much.

Alright, I'm not that much of a casual, especialy since I don't work during winter. But I'm still not a hardcore player that can finish the game in 1 week. Or can have multiple mirror worth of items.

Also as I said, there is other way to give challenge to competitive player, leveling doesn't need to be the only way. What's wrong in trying to go outside the box and be creative in that way?