I understand giving some relief to players who lost their character but when it flips over into incentive to kill your character, it's a bad mechanic. Also not everyone knows about this or is able/willing to use it on character they have invested on to get Credos.
Possibly bit complicated (alternative?) idea: Credos that are prerequisites to Credo you're pursuing either don't count or count less for the credos completed for the calculation of required amount of quests.
I'd still prefer the individual balancing of quests. I wouldn't mind Mystic or Nomad having difficult quests (even Luck Based Missions) if they in return have small amount of them.