I really like your ideas Mal.

It does seriously need a credit revamp.
But...I personally like the nedding. I often ned when I'm busy doing other things and can't actually "play". And, if you want to play a game real quick right before the 10 minute warning, you don't have time to complete the game before closing. So I will often just crash real quick at that time.
I want to at least get some credits without having to actually "play". And I can reach just over 57k when I actually play (and my pc co-operates).
Who really want's to lose the possibility of at least getting
some credits while you have to get up and go away from your computer for a few minutes?
And I don't see how nedding "clogs" up the game?

You get into the game at any time you want.