Inncorrect - Some of those credits could have been won through bardic/artisanal contests, events, given out to all players as a bonus(Lusternia did this at the end of open beta), gained through being a guide, gained by being a mortal coder, gained by being a mortal builder... and more ways than I can think of. Not all credits, though probably the majority, sold from player to player have been gained via cash.
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