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I have to agree with Rundvelt, buying a sword and losing it is different than training something and losing those due to another players actions. Now you can say what if someone stole her sword because she was sleeping in a non-safe area, well thats theft, or what if she lost it, well she did that solely on her own, not becaus someone took them away.
If you buy a car, and someone steals it, didn't you also lose money? Don't you have to respend money to get another one, much like credits, she would have had to buy more to re-practice so in essence they did take credits.
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