Fara what you suggest is not completely true,
there is more than one way to gain credits to spend in the resource section. Every post you make gives you credits. Then if you add to the resources(tut's, layer styles etc.) or if you vote in the gallery index you also gain credits. So it's not that hard to get more, the only thing you have to do is do something for the community....
Well I hope I cleared this issue for you
PS: And I see that you're from Holland as well
(Ik mag eigenlijk geen nederlands spreken over het forum, is een beetje onbeleefd vandaar.)
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