ANYTHING can be done with enough time, part of the P2W philosophy is that you skip enormous amounts of time and grind to get there a lot quicker. If someone's so far beyond needing credits it's easy to lose sight of the restrictions of having very little (relatively speaking) all over again.
P.S. I have no interest in PVP in any way and the dedicated gear has very little influence on the PVE content which is the major part of the game.
This one I will respond to as it's well-considered.
However 1 tier below the best still has a big drag on all the tiers below and the cartel items that can be bought for cash and sold for in-game currency (be that credits or gold-quality tradables like mass manips or others that hold their value well) therefore have a significant effect on the difficulty of the game.
Simply adding more difficulty settings doesn't help either as those without the "pay" resources others have don't have the chance to buy the gear needed for the higher levels meaning less cash denies some of the population content easily accessible to those with cash.
So it might not be the simplistic P2W mentioned above but it's certainly an extended version of it.
Yep exactly, however I'm thinking beyond this.
Anyway I realised I cba with the point as it'll be opposed by those with the credits and they would claim to have none anyway.