Earning credits just takes too long. Bungie wanted to draw the entire online experience out for about three or four years until you reach the end, but it's just going to piss people off. imo.
Left four dead 2 and one are $10 dollars on steam right now. 6 bucks for just l4d2. Personally, I never got into the first one, but that's a steal.
I love the credit system and love how much everything costs. It's perfect. The armour pieces are something to earn, it'll be stupid if everyone had everything. You buy a couple pieces to define your unique appearance, the costly items assure originality.
Also, 2xp weekends, challenges, slots, commendations. It doesn't take that long to level up/gain creds. For instance, I gained 10,000 yesterday by playing for 1 1/2 hours.
Oh, that thing is bull. Everyone just gets assigned the same numbe under 100, except for every once in a while when everyone gets 777