Thanking you for your help Neil
I can't offer much insight into the flash portion, but Champ already touched on that...
Something to consider … if you time your return or purchases with one of the "free trial" weekends that come around you can save a good chunk of credits using the 10% discount after the free trial.
Another thing... you appear to have been quite good... so if you join a club that could use a strong player like yourself... some members who have already built up credits could gift you clubs to help you out trusting you stick around and contribute to the club.
You just missed the "Christmas in July Event" but another event may return in December.
There is also the program run by The Bushwackers - TGoG which helps players out.
While you may dislike the mobile platform... many of the PC players in our club simply use the mobile platform to watch the 2 credit videos to build up credits to purchase clubs... yes it is slow and tedious and you may feel like a bot at times, but it allows you to virtually play for free (technically anyway.. you still invest your time) but it can be done while doing other things.
Either way figured I would remind you or throw out a few of these options to help you along.