I decided when 3.0 rolled around that I was never going to pay for this game again. I honestly haven't enjoyed the game since that rollover but can't seem to make myself walk away while I have credits sitting there. Eventually I will get up the gumption to quit in spite of everything, but it hasn't happened yet. And until it does, I'll just keep not paying
And I'm not a great coach. A good coach, yes, but my effort levels in 3.0 have been pretty sub-par. If you're in the right world for D3/D2, or at any elite D1 school, it's not hard to get credits once you develop an understanding of the game. That doesn't happen immediately, but if you put in some effort at some point it does happen.
Only the best of the best coaches can play HBD for free. For one thing, there are no sims. I'm only in D3 Tark at this point. There are 64 human coaches this season. The exact amount of rewards distributed depend upon how the human coaches do, but they could add up to over $400, and are likely to add up to over $350. That's more than 50% of the cost to play being returned in aggregate, assuming everybody buys their teams in 10-packs. The total rewards from a season of HBD are about $130, which amounts to just over 20% of the cost to play, again assuming everybody buys their teams in 10-packs.