Actually there are many other ways, that don't involve anyone buying credits.
Bardic and Artisan contests are held, I'm 99% in all IRE games, every month. They give out large sums of credits for creative work that is game related and placed on the website for all to see. Not only do you get credits if you win, but your work gets posted for the whole world to see on your games website!
Most games have mortal builders, these are players that volenteer some of there time to help build rooms. I know in Lusternia we give them a decent rate per room, my current building project has 3 builders and a total credit value of 2000 credits.
Some, like I know Lusternia, also have mortal coders. While much harder to get, for a few hours a week of volenteering you can get atleast enough for 1 skill a month, up to 2 depending on how well you work.
All games randomly do things such as lotteries, which tickets are bought with gold and sometimes the prizes are large amounts of credits.
In Lusternia we give away artifacts, even some of the most expensive ones, during special events and around RL holidays. Just this last holiday season we probably gave away over 10k credits worth of artifacts and other IG items via a type of scavanger hunt.
Those that apply and are accepted to be a guide, and help new players, get "paid" in credits based on how many hours a week they volenteer. Some of our most active guides I've seen get a few hundred credits a week.
I think you may have just missed some of these other options, though most of them(besides bardic/artisan contests and lottery type things) tend to require that you are a long term player and know the game well.
And there are still other methods, the credit market you mentioned as well as trading credits for services in game with players. Mentors gain credits if their proteges purchase, as do cities and guides of their members purchase. Of course, these methods require that someone had made a purchase, but they are another way for people who don't want to spend money to still get credits.
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