Well, how about "in order to reach 5% or more of your skill potential you need cash invested into your character"?
But the point is that credits are not free. You might win them from time to time, but in order to consistently and repeatedly earn them, they require cash. They are a pay-to-play commodity, and the fact that they can be traded among players doesn't change that fact.
Well if you don't like PvP then you're probably not going to be playing a mud "focusing on...most importantly, PvP and Group vs. Group action" in the first place.
But you need them to be competitive, because over 95% of your skills come from them.
It'd be like playing a 100-level mud which required cash to get past level 5. The mud can still be fun up to level 5, but that doesn't change the fact that you're going to be at a severe disadvantage to the other players if your character doesn't have cash pumped into it.
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