This.
Buying things with credits would be an excuse if people could just buy them at stardard affordable rates (set by the game or not allowed to be put over caps.)
Instead the arguement of paying for unlocks with credits is null and void since most are sold by jerks and idiots putting it OVER the credit cap.
As a F2P and even a Preferred account you will likley never be able to buy a lot of the unlocks with credits. There's the odd chance you might get lucky and there are a few things some people intelligently put at a reasonable price but many things like gear authorizations will forever be overpriced in a way that a F2P or Preferred will NEVER get.