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For example, I've had to BEG for mod rods at times from a mage in my own group, kei from the enchanter, sow from the druid, etc. This should be automatic
You're right, and for most people it is. Are you really having to BEG, or are you perhaps being impatient if the cast doesn't come in the second you ask for it?
Conversly, if you ask for a fresh mod rod or buff mid-fight, it's very possible the caster didn't see your request the first time. Mod rods are also not cheap mana wise, so if the magician's running close to OOM (very common in LDoN), it may take a minute for them to be able to whip one up. Be patient.
If you're freshly rezzed and your corpse is looted, hit that mod rod as soon as you're at full health. You're going to be sitting for a minute anyway waiting for rez effects to wear off. People forget this one all the time.
On regeant eating spells: Many of my cleric friends have a habit of casting temp or virtue on me every time they see me, even just standing around PoK. Stop that! It's sweet as pie, but it's entirely possible I'm not going into combat any time soon. Now I feel bad because you just wasted a dot. If you're one of those kind hearted clerics who casts these buffs without having been asked, don't be suprised that your peridot expendatures are high.
Nobody except for my husband
ever gives me pearls to cover the cost of CoTH (Call of the Hero), which I am asked to use pretty frequently. I don't expect reimbursement, but I wouldn't mind if groups tossed me a pearl now and then.