Yeah evilfixx, I guess I should have reread the original post before choosing my wording, lol. I still think the distinction I'm trying to make is the difference between a currency that equals a monetary amount and one that equals more of a "gift bag" kind of idea (I don't want to keep making the arcade analogy, and I used a mac and cheese one but I'm trying to find the right wording to make it easily understandable).
You aren't quite right when you say a "credit" immediately equals a "monetary give away" since these credits will not be equal to or have any real exchange rate to real currency. If you were able to purchase games and dlc like some of the other ideas that have been floated around then a "ps credit" would have to be equal to something in order to equal the ten dollars to purchase a game. Having the credits redeemable for things with no major value and from a small selection seperate from things that can be purchased with "real" money does not equal currency in the way everyone else seems to want it to. Yes I know they are going to be offering premium avatars and be charging for them but I'm sure we can agree that avatars and themes are good examples of things that don't really have a huge value compared to games which have a large amount of effort put into them and thus deserve a certain value.