In games that I have played that were FTP with cash-shop there were always auctions or stallers that were selling the items that they had bought for RL money for in-game gold. If the game had lotto boxes or strong boxes there were always stallers selling them and, or the keys to unlock them. Other sellers would buy large amounts of box/lottos and open them and then sell the rare mounts/jewels, pets, ect.., for in game gold. And if there were fashion items in cash-shop then there were stalls that sold those too. I do not see CREDD being really any different than these type of cash-shop transactions, other than even if you buy CREDD with illegal gold Wildstar still makes some profit as the CREDD had to be bought from them for $20. I find in games that the mad boxer who runs gathering bots and floods the market with matts tends to break the economy and break player balance more than any buyable game play content does. But I never care about being super rich or head of class the way others might so I am aware I am only seeing part of the spectrum on the issue.