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Earlier you posted "Credits are used to buy items and skills which aren't available through any other currency."
So which is it?
I bet there are EverQuest players who have played for years without having paid anything, too. But their account still needed to be paid for by one of EverQuest's customers - just as the player in your example had to have money invested into their character by IRE customers.
Of course you can - you could spend time performing services or gathering items in Ultima Online, then give them to another player in return for that player renewing your account.
Not from the game itself you can't - only by trading with other players who have bought them with real cash. You can do the same in most MMORPGs.
As long as you don't mind playing a weak character in a mud which advertises itself as focusing on "most importantly, PvP and Group vs. Group".
If the players get bonuses in return for those donations, then yes, I'd agree - that would be pay-for-perks.
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