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Yes, that point is valid. What isn't valid was the conjecture that not purchasing credits causes the individual to assume a second-class citizenship. Not true. They just have a disadvantage in certain activities. These activites are by no means the sum total of experiences available. I have already said that I yield entirely to the point that combat is not equal when certain perks are factored in. Skills are balanced at the highest level to begin with, so it's useless arguing balance at any point other than that. Two individuals, both of whom have all of their skills at the maximum level, and both of whom have exactly equal talent in combat ability, will be equally matched where further perks are not factored in. When they are, they tip the scale. But you have to take into consideration the fact that Time is as important a commodity as Money. Some players have lots of Time, others have lots of Money. Still others have little of either, and some lots of both. But the most relevant part of this concept is that the two are interchangeable in terms of their efficacy within the realm. Someone who puts in a lot of Time to their character can accomplish the same things as someone who puts in a lot of Money, be it in the political, social, or combat arena. It simply becomes a matter of what one has to offer to the realm, their money, or their time.
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