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I see nothing wrong with it, but then again I don't make such decisions.
As for your quote, at the time of writing that was 100% correct. When that was written, transfering credits between different players was not possible(yes, you could have someone else buy them in your name, but that was risky for both parties and frowned upon). A few years later that was changed, and with that change came the ability to get to the top of the latter without spending any real money yourself.
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