I got enough of those penalties
Nothing more discouraging than being that nice player that plays horrible and stays to the end to earn 0 credits, but really I just earned -21 credits
My advice to anyone that has been victim of the increase in players quitting in HM is to find a partner(s) to play a few/several friendly games against. I have been quite fortunate to team up with SleepingBeth recently and she is a great credit making partner to play against/with.
It drives me absolutely crazy when people quit in a game. Like everyone else I understand getting DC happens. But quitting because you don't feel like playing anymore or you know your opponent will beat you gives you NO RIGHT to haul off a quit the game.