I think the idea of giving away credits is very social. I do agree that the term, "gifting," has come to have very negative connotations, and I would discourage people from using that term.
It is very simple, and better use of the English language, to say, "giving," rather than "gifting," anyway.
Giving presents, such as credits, has always been a part of the social experience in the real world. It would not require a great deal of extra programming, and by itself, would not create any major windows for hackers.
The concern I had was with an ongoing sharing of credits, as mentioned above, a certain percentage on an ongoing basis. Any time you make an ongoing connection like that, you are creating an enticing target for hackers.
Dave
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