I mean really why would you want to give your own money away when you can have it to yourself.

I find this quote particularly funny considering over half of the world lives paycheck to paycheck. If a user can trade 5 cents worth of resource credits and alchemy that into $5 obviously that's exactly what they're going to do. The argument that it won't work because "people don't like to pay for things that should be free" is nonsensical. They aren't paying anything they're hugely in the green after everything is said and done.