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Both. Players will spend the credits we sell for rl money, but they can also get these credits entirely through in-game means, without spending rl money. In the former case, it's the player buying for the character. In the latter case, it's the player using the character to buy them.
As far as checking their descriptions go, our attitude on houses is, "Who cares?" They're private spaces for players, and not really accessible by players other than the owner, so if they're horribly offensive, they're not going to offend anyone who hasn't gone there at the invitation of the owner.
--matt
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