More efficient, yes.  But the problem is that most morphs in CP cost are<em>higher</em>than what they are in the credit department.<br/><br/>Take an Olympian.  Olympians are 40 CP cost, but in the credit department, they are [Expensive], or 20k credits.  That means you're spending twice the CP to buy the body directly as opposed to with credits...and those 20 CP can be used for...200 Rep points, 20 Skill points, 4 Skill specialties, a Moxie point, 2 Aptitude points...