Warrior if you took a probability density curve then at 2% the majority of people (c. 70%) would sit at one credit for 35 jobs or so (rough numbers, in my head, after drinking a bottle of champers - anyone doing high school maths can calculate a better set of numbers )
And people doing jobs for days with no return would sit in the out lying areas of the curve.
What I'm seeing is a higher percentage of people doing more work for a reduced return thus dropping the probability from 2% to less than 2%
It would be an interesting one to contact the devs on