The problem is that people can sell the credits they get. The moderating team will not be able to refund those credits. Hence tolan being downed by 10k, a few people flaming the member who did it, and may eventually lead to that members ban. Which could in turn result in a GR-wide revolution of UNBAN SO-and-SO!!! Giving the moderating team more to deal with. There is also the fact that someone could take the credits, thinking the would be able to pay them back, then not being able to. Then they would become so behind on their debt that they would either hide their sales and credits, leave GR, or get banned, flamed or negative repped, which could or could not be their own doing. I think this is a great thing Tolan is doing though. I hope this goes through.