I disagree. I think its a good idea and have plenty of Alt shot friends who would play it with me and not get pissed if they lost creds because of my bad shot and vice versa for me.
I know plenty of other people that have friends they would play with and love it.
If you don't wanna get scammed for creds, as you say, then don't play it random or don't play at all.
Can't see how its any different than any other challenge match. If you can't handle losing the credits then don't play. Ive seen plenty of times in these forums where some guy or girl comes in here complaining that they got fleeced in MPC and we basically all tell them to GTFO of here and if they can't take it don't play.
Don't really see why its up to other people to decide what i do with my credits or how i spend/lose them. If you don't think its a good idea then don't participate, but plenty of people have asked about it and I am sure plenty more who don't read forums would like it too.
I don't like clashes. I think they are steaming piles of crap. I just don't play in them, but a lot of other people seem to play in them. Different strokes for different folks