As much as you want to call it exploiting, it’s not. Well using a macro would be, but what I do has the same effect without being considered an exploit. Blame the devs for putting in a time based credit system, rather than a skill based one.
There are plenty of times I’ll watch a movie or a stream and half pay attention to the game. Hell I’ve even played Marvel Heroes while “farming” credits in DB. Because it’s the most efficient use of my time. I don’t care about winning or losing when I’m busy doing something else.
Want me to give a damn? Reward me for playing well.
