I assume they want a cleaner platform where people can benefit and contribute without the usual persona of users that are only here to take and profit from the contributers.
May be you're right too and they need to create a better way to earn credit and access to the files.
There is more ways to earn credits anyway( Forum contribution for example...).
I think you've missed his point. It's not easy to earn points and he is (may be) looking for a solution to reduce the effort you have to do to earn them.
Please be kind too. I agree with the term and rules but still have the right to complain about how the things is done in the platform as a benefiter/contributer.
I guess @rbrtsluk will have a better explanation than me.