I associate "credits" with debt creation, it does not appeal to me

Since money is literally a ledger of debt, that is fine by me. Creating fake debt out of thin air is what is happening now, and
that is bad, but keeping track of legitimate debt is the entire purpose of money. But this is TPTB's thread; I'll take my ion, aeon, and credit chat elsewhere.
To stay on Topic, TPTB - I hope that your super-tangle currency focuses on the issue of infinite scalability. Even if it falls short on the privacy front, there may be a future for it if it can be used by the average consumer to buy coffee with.