For now that is is, but perhaps we will come up with some sort of 'lottery' or something, so credits will be easier to come by.
Credits are supposed to be hard to earn. It gives more value to them.
This is how you can get alot of credits:
Browse the requests forum and look for requests which were made by members who post alot on the forum. These members are more likely to offer alot of credits for their requests. I for one have started a request for 1000 credits, which I think Rolandrd is working on. Recording walkthroughs of requested games, combined with posting on the forum, allows you to build up your bankroll fairly fast.
Of course we are always looking for ways to improve the system though.