It has already been suggested by other players but it's important so I'll say it again. Tier based credos is the only acceptable way of having them.
While I don't agree with you on tying credos to specific characters doing specific things, I can kind of understand that but right now you implement new credos that may or may not be obligatory to someone
Scholar is the best example. If I knew we're gonna have something like scholar in the game I wouldn't pursue lots of other credos, leaving myself with 24 quests on the gardener... I honestly didn't think I'd ever need to do it on my main.
I get it you probably will do something about it in the new world but honestly we need it now...
Implementantion is your choice but I believe any form of it will be better than the current one and certainly more fair than creating a new character & consistently suiciding it in order to get 2 quests per level forever...
From what I gathered, most of the players share my opinion. Please, consider doing something about it after Christmas holidays.