I am in the same situation as you TWO........ 3 kids, work slack and struggle to pay the bills. I can't afford to pay anything to this game so I try to win credits in some RG's and my CC tourneys plus the vids.
Having said that, I don't see why you or anyone should explain the situation as to why you asked for a gift.......the OP is offering to give his credits away, it's in the title, so why should we feel ashamed?
It's a shame that he feels he can't play on, but if he's offering to give his credits away, where better to give them to, than the community?
If you or I don't pipe up and ask for something we need or would like, then someone else will. Otherwise they will either go back to WGT or just sit unused in his account.
And to those who feel it's disgusting and low......wind your necks in!.....It's a virtual game for gods sake, no-ones going through his pockets or rifling through his things......He is giving his credits away!