Hi Richard, I found this 2 minute clip on YouTube (https://www.youtube.com/watch?v=auaZDyUvWZM) that argues that it isn't. However, my leaning is that it is a zero-sum game. Even if more "credits" are added periodically, it is still a zero-sum game surely. If there were 10 coins on a table, and I took 8 and you had 2. And every hour, 2 more coins were added onto the table. It would still be a zero-sum "game", just with more coins. Not only that, but in practice, those with more coins (me) would have more resources at my disposal to acquire the new ones that added every hour. Please watch the short video and let me know what you think. I'd be very interested to hear your response. Thanks.