I like the Present Points on profile pages and how easy it is to give people the amount of points you want. Since my site would only be using Points or Credits as currency and not to be awarded for doing activities then approving every single cash out wouldnt be needed. Basically I just want members to be able to buy credits or points and use them to give to other members who then can cash them out. If Credits had the same setup as Points where you can easily send members credits while being able to cash out then I would stick with Credits..but it doesnt.  Converting points to Credits and Credits to points to cash out would be too confusing and too many steps for the users I want for my site.