Here is an idea pawn shop,
u get value of the item u pawn with a ticket
if u pay + xhalf (or extra +500creds or likewise) at given price u get your item back.
Banks in general would be great to take out loans,
spend your XP or SKILLS for money, loan cash as IRL.
If u dont pay for ex. in OMNI: strip ranks, remove tokens,
banned out of OMNI. In Neutral will resultate in higher fees to pay ending in doing dirty work or community service and so forth,
alt. prison. In Clan is more maffia style, price on ya head both from PVP and NPC.
Now some say that creds help one to strive forward to
come higher in levels, but I think its more of a setback,
even if u have 1 miljon creds u can not use them to
a wider extent anyway ! and as there are a sociaty with all
from mugger to omni leaders, there must be ways to
criminaly earn and faster get cash !