" And if you think there aren't plenty of players who can spend 40 mil on an item, you don't know much about working the GTN or the in-game economy. "
The only way to acquire that many creds in a timely matter (months) is to purchase them from third party sites.
lol No, it's a matter of playing the market. Either by getting items people really need on your own, or buying/reselling items already on the GTN. It isn't that hard to make credits in this game, if you're willing to go through the trouble and headache that may come with it.