Exactly what are any of you crying about when it comes to creds? It's a great game, and the introduction of kreds doesn't take away anything from you but money for making the game easy mode.
Its not a hard game Enscorceled, if you're trying to play it with a balanced party all you need to do is just make sure your warrior doesn't die.
Just try and focus more upon collecting Regen pieces for your cleric, and if you're still running into trouble make sure you have a ranger to help ease things out, they're one of the best buff classes in the game.
The best team setup is actually just Mage mage mage mage.
It lets you just brute force your way through every level once you get the speed of all your characters up to at least 65.
All you do is cast electrical storm while leaving one mage up front that you loaded up on health to soak damage.
I just completed the main campaign with a full Mage team.
One mage was given ever item with soothing on it and enough quickness to go first all the time [65] for the armor spell.
It was funny seeing as how everything died from 3 electric storms or whatever, but now I'm already up to level 35 and going from one floor to another doesn't make much difference :(
Really fun game though. I just wish that certain classes weren't stupid useless, like the conjurer, it seems to only be any good during the siege game.