I don't think anyone's saying credit purchase is sufficient to be competitive at the top tier, simply necessary. (Or necessary if you don't want to spend 34,089 hours gold farming to buy them from other people.)
Buying a gun won't make me the top deer hunter around. In my case, it wouldn't even make me competent. However, not buying a gun (or bow, or big-ass steel-jawed deer traps or whatever) will ensure that I am never competitive with those who do make that purchase, assuming a minimal level of competence on their part.
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