I think that Xsyon already answered that in the Q/A section.

As far as I can remember he explained it like this:
-) you can select a rental space as a respawn point
-) if you die you will be resurrected at your last selected respawn point
-) if you want to choose another place (like your home totem) you will have to travel there and choose the point as your new respawn point.

It is common in most MMO that you only have 1 respawn point. In "non-sandbox" games these are placed by the designers at various NPC towns (mostly bars/taverns) - so in this sandbox game it has to be some player build structure. As you can not build anywhere you will have to rent a place in an other tribe to set it as a respawn point ... sounds straight forward for me