I think you can narrow it down. Earning credit isn't bad necessarily, but if the primary way to earn credit is to sit in a class for an hour a day for 4.5 month

I think you can narrow it down. Earning credit isn't bad necessarily, but if the primary way to earn credit is to sit in a class for an hour a day for 4.5 months, then we've probably disincentivized learning. Credit can be a meaningful way to track an individual's learning, but earning credit should be more closely tied to what you've learned than how much time you've sat in a class.