We're very careful to make sure that the game isn't "pay to win." The fact that Survived By is an entirely PvE game definitely helps - if one player decides to spend Electrum to level up their gear, it will only help everyone around them as XP/loot are shared. That being said, we are working closely with DE to balance power distribution carefully. Electrum gives you the option to "pay for time" (buying a skin outright instead of earning it through questing) rather than "paying for power."
Auction prices are determined by other players, and we allow players to self-regulate Auctionhouse economies. In accordance with the changes being made , the bloodstone awarded by quests and challenges will be balanced accordingly. The goal of trading Bloodstone for Electrum is that people who don't want to spend money on the game can trade their time playing for Electrum and get everything for free (similar to Warframe.)
All of this said, we always want to make sure the economy as fair as possible. Keep the feedback coming, we will definitely make adjustments in the future if needed.