Today? The full CC license is 70$ a month for individuals (30$ for students) and 100$ a month for businesses. Despite inflation, assuming a two year upgrade cycle you still get the same price for the full Adobe package when comparing CS vs CC.
One may complain a lot about Adobe (RIP Flash, and anything Gen AI can go to hell for all I care), but "enshittification" is one thing that can't reasonably be thrown at them.
As for Adobe Credits, AFAIK that's credits for fonts and assets - and again, I vastly prefer dealing with one storefront (Adobe) than having to buy and license individual font files or stock photos.
[1] https://www.theverge.com/2012/4/23/2968192/adobe-cs6-pricing...