Then how about "in order to reach 5% or more of your skill potential you need cash invested into your character, but you don't have to invest it yourself as other players are more than happy to do it in return for in-game gold"?
It depends on what light you put it in.
The lessons you can gain by just leveling to lvl 20 are enough to be able to get the skills you need to bash(level, whatever) and to enjoy any other part ofthe MUD outside of PvP. PvP is a selling point, yes, but it's not the only selling point. Even then, practice has shown that you can get enough credits to fully participate in PvP by buying them for IG gold.
Credits aren't required to play - they're a perk.
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