I bet some real money and my trend seem to be the same some times I win big sometimes I lose BIG. I don't have the kind of credits I once had but I am certain I will be up to 100 mill again eventually (I didn't start at 0 and a lot of mine are from sig contests). I don't think anyone has a million credits who didn't get any of them from some kind of contest on the forum at some point or a donation from somebody or something.
Ah... thats what I suspected. Theres obviously a lot of credit gifts going on.