The first thing which comes to my mind, when i read “good idea” in the thread title, is that it will contin an bad idea… however, guess thats just me.
Games always rely on RNG for making things hard to get, to keep it simple take drops from monster in any RPG, the good stuff will be random to keep the people entertained and give them a good feeling once they got it. If you get something 100% you wont get the “oh yay-feeling” from it (because you knew that it will be there after youre done with your thingy) which keeps us addicted to games. (We are no different than drugjunkies, while our drug is that feeling when you finally got what you wanted… .)
So far for the common knowlegde about games and their way of making you addicted to kill your real-life.
About your idea, first i have to say if, you would not just need to double the credits because 10k more credits is nothing, NOTHING!!! (Maybe) even x10 the amount of credits needed wouldnt be enough. Doubling the Gold-loadouts and x5 the Credits needed is pretty much the minimum to me. (Because unlike you bug around like me and get the same loadout everytime you trade up, the chance is 1/9 to get the “best”/your desired loadout. Doubling the costs is nothing.(costs=gold cards, because each costs around 200-300k average, the 10k credits arent the expensive part of the trade-up!))
It wont change because RNG is part of every game and will always be, because thats the thing which keeps us addicted to it. If you know exactly what you will get no matter what you do, you will get boored quite fast because you will never feel that “oh my god i just dropped that super rare dipshit”.