Well, playing the game is optional. I don't think that's a good retort to any criticism against credos.
Credos are an ingrained part of the meta for every aspect of the game. If your goal is to progress past larping in a small palisade credos are a goal of yours. They're obviously detrimental to the game, 90%+ of the population openly hates them, but feel obligated to grind them out instead of doing whatever they actually enjoy, or chasing their goals in a straightforward manner.
Credos are like fishing. 90% of the haven population hates fishing, but fishing is good content because it's optional(outside of the first ~2 weeks of a world, I suppose). The 10% of the population that actually enjoys fishing gets something from it, and that's great for them. I wouldn't want fishing nerfed/changed on my behalf. Credos are differently entirely in that they're not optional. No serious player group doesn't do like 100+ credos a world.