That would be 100% wrong. Before I became the Admin I am now, I played in three of IRE's games. I was a decent fighter in the first one, and spent no cash. Second one I was very political, and also became one of the mid-high level fighters, again no cash. In the last one I was a merchant, and could hold my own in combat... again no credits. In all of them I nearly maxed every skill, and had multiple artifacts.
It can be, and is, done. It's just a choice, my time or my money.
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