i think they introduced the cap's to deter farming, specifically the RMT type of farming. though with credits being easily obtained, even in large numbers from quests/space etc. i can't see why anyone would buy from an RMT anyway.
So, enjoying the game so far? its history is fairly controversial, but imo, i think its pretty good these days, and if you ever need advice/questions answered, the people here usually know the answer, or how to get it, even MOW :D