Transferring credits with no surcharge would inflate cheating. Besides, WGT will never allow a transaction to occur on here without taking a rip, that's just bad business.
It technically isn't allowed but can be bypassed by using the MPC system for those within the geographic permitted areas. The only drawback is the 10% vig. If they allowed a straight transfer of credits I'd assume they would continue the 10% surcharge.
The way the system is now almost ensures that a player will spend money once reaching the Master level in order to maintain any further advancement. The easiest way around it would be to build a sizable stack of credits through MPC, which some choose to accelerate by cherry-picking their opponents.
I would expect gifting and possible credit transfers to lessen when, and if, WGT ever chooses to offer prizes in their Elite Collection that aren't completely ridiculous and somewhat obtainable to mortal humans.