I'm one of the lucky ones, I'm part of an old, longstanding, well respected Org and we're part of a large alliance of active orgs, there's something going on every day and you can usually find mission teams.
Maybe an Org change could help...
As for the newbie credits thing, how about simple missions to get the actual proff based implant sets / nanos / carbonum / whatever, instead of buying them in the shop.
That way us old guys can just use creds to buy them (drop in the ocean to us vets) and free to the poor newbies!