Were those 5 accounts mules? did you do it while you are new? well it's easy to do when you are new.
Actually I know that a couple of players usually don't have a lot of credits. Nancywitt and myself usually run on the idea that if we wanted to buy it, we had to play games to earn it. But I recently got a lot of credits in a quest so I've actually been keeping a "bank" of credits for the first time since VMK started. So yes, I've been down to 0 all too many times.
I usually have no credits, however when I want them, I play pirates LOADS.
For example when the quest kiosk came out that weekend i started with about 0 credits after going silly on feather mask. And within 2/3 days I had enough for my quest kiosk.
I always say to myself I am going to save up, but when the money is there it always gets spent.