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You said: "If you purchased credits in-game someone at some point paid real money for some of those credits."
Someone at some point may have paid real money for some of those credits, but not always.
Either way, no point in argueing over wording, we both seem to understand two points. 1. Most credits come from the spending of money and 2. Not all credits come from money, there are other ways.
And for a shamless plug, Ilyrias will use something similar (though more IC) to credits, but will offer more ways for players to gain them without spending money.
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