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A) No... even in those conditions, it is not. Get assigned items by level, rather than by price, is not "the local blacksmith won't sell you other stuff" any more than getting a big pool of coin and being told "you can't spend more than X on any one item" is - your character is allowed to buy what they can afford, but "afford" means "assuming they budget their wealth intelligently instead of buy the most expensive singular thing they can with their money"
B) No rule ever written, past present or future, can prevent GMs from making a bad choice. The issue will always be those GMs making a bad choice, though, not with the rules of the game.
A) Have you actually looked at the Wealth By Level table on page 348 of the Playtest Rulebook? Because you don't seem to understand how it works. When you're creating a character above 1st level, how many items you have of each level is predetermined. There is a small amount of loose cash that is not enough to buy a non-consumable item of a higher level than those predetermined. The rules do not allow a 4th level character to start with +1 heavy armor.
B) If the GM following the rules is a "bad choice" then that indicates that the rule is not working and needs to be fixed. This playtest is full of rules that don't work as intended. The whole point of the playtest is to point them out. Sticking your fingers in your ears and going, "Nah nah nah nah I can't hear you!" doesn't help make the game better.
Drake, can you name one person in this thread who has agreed with you? What do you think is more likely? That everyone else is somehow confused and you're the only person in the world who can see the truth, or that a single person is mistaken?