As the leader of my guild
I say, run dailies, open a guild bank, deposit credits, help guild out.
But then again, I trust my guild
and a few thousand more credits isn't hurting my wallet.
Does no one realize this was a bug that has now been fixed?
Yes, I believe most people are aware it was a bug. But most also agree that the new status is untenable for an enjoyable game. Making people strive to succeed is one thing. Putting onerous costs on failure is different.