Yes, and also, dont start a sightseeing company… yesterday i discovered the ‘Sim Rate Up’ functionality. I was looking for workarounds for the grinding and took a cargo flight, sim rate up whilst flying (dont forget overflying airports), sim rate down at the approach, a smooth landing and of course, the brakes didnt work suddenly, BUT, I managed to park into a building without crashing (dont ask me how that works). 80k credits richer. So i tried that again 
Wanted to work towards a crewed mode with passive income but seeing all those insurance bug reports ill stick with flying myself.
So to gain credits:
1: start a cargo company
2: take 100nm flights
3: sim rate up after T/O
4: sim rate down before landing
5: hold up your hand 
6: don’t start crewed flights just yet