lmao, does someone actually say "I am the master of life" on achievement get?
it's a game-design complaint. i don't think that getting 45,000 karma for doing a monthy "achievement" is in-proportion with the other ways that the game doles out karma, that's all. it encourages exactly the kind of "play a certain way" gameplay that anet railed against when they discussed the design of this game.
Here's where I think we're diverging. You're looking at it as though to achieve the daily or monthly you stop whatever you're doing- things you enjoy- and go do completely separate things you don't enjoy for the sake of the achievement. However, ArenaNet's approaching the rewards for daily/monthly achievements with three things in mind: rewarding you for doing things you're already doing anyway, encouraging you to do things you might not have tried, and providing you more ways to get rewards.
I'm curious as to what the "certain way to play" the achievements require is. As far as the dailies, if you're not killing things, killing a variety of things, gathering, and doing events, you're limiting yourself to an already very narrow slice of what the game has to offer. With regard to the monthlies, if you never wanted to step foot for a single minute into WvW, then yes, you wouldn't be able to get them done, but it's quite a token amount of time asked of you to get that aspect complete, and the other requirements seem to rotate to encourage a variety of activities for all players, as well as encouraging participation in time-limited in-game events. This month, you have to do dungeons for your monthly- an achievement I filled in without even realizing it, because that's how I play on a nightly basis anyway.
The most crucial aspect of all this to remember is that
none of the achievements, nor a single point of karma whatsoever, is required to play and enjoy the game. I think there may be a misinterpretation taking place, and it's one I've seen before, that "play however you like" translates to "no matter how you play, you will be equally rewarded." So you can't get jugs of karma without doing the daily/monthly achievements, but you also can't get Shards of Zhaitan without doing the Arah dungeon explorable mode. You can't get your Pact unique weapon without completely the Personal Story. You can't obtain a legendary without putting the enormous amount of time, gold, karma, and effort required into the mystic forge to make one.
Whichever of these things you choose to do
is "playing however you want." In this particular case, the dailies and monthlies
aren't actually even the only ways to obtain karma, which again isn't even required. You can also do dungeons (added in the same update as the jugs) or grind events for it, which previously was the only option available at all.
I hope this clarifies a little- it's certainly a matter of perspective, but I can't for the life of mine understand how offering additional rewards for the dailies/monthlies is encouraging one particular type of playstyle or another.