I don't see how money should reduce the willingness of RP.
People RP because they consider it fun,
People who don't RP generally don't like like it,
If they are forced to RP, they will just go and do something else, away from discovery.
It's not like the server has been full over the last year, so I don't see how conn is an issue either.
If the server was full most time of the day, this might be an idea to reduce the amount of people in conn.
Again, owning a billion of credits shouldn't keep you from RPing.
Having barely nothing however would, so credits are really not the problem here.