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Increased Morale regeneration in combat - This modifier is strange. It gives FFXIV Money Dwarves a bonus to Morale regeneration in combat, but outside combat - the effects are the opposite.
Dwarves get a minor penalty when not fighting. Regardless of the odd mix, the important bit here is the edge Dwarves get while they’re fighting, making them suitable for melee combat.
Increased Power regeneration in combat, same goes for a Dwarf’s Power regeneration. They get an increase while fighting but suffer a reduction when not in combat. Same principles apply here. Dwarven characters can regenerate their Power at a better rate when fighting.
Decreased AgilityA Dwarf is stocky in nature (at least, according to Tolkien and AD&D lore). This build gives them a -8 in Agility. You’ll feel the difference while fighting at low levels - your attempts to hit enemies aren’t as accurate and critical hits are more difficult to pull off.
Decreased Fate: There’s more weirdness here in this modifier. Despite the increased Power and Morale regeneration in combat, Dwarven characters’ Fate is reduced (-8). Perhaps this penalty is placed to offset the improved regeneration rate this race gets.