What do you spend it all on? I usually find I have a surplus of credits by halfway through the game. Of course I'm naturally thrifty, so I only spend on what I need/want and I can afford a spectre weapon soon after the coup. --- "I could care less" means you care right now. The proper phrase is "I couldn't care less."
I bought the wraith and the paladin in my first playthrough. It was a total waste, since I never really used either very much, but it is possible, and that was before the DLC. --- All your base are belong to us
Getting money for the black widow is easy if you are patient and don't get tempted to buy anything else. --- The mind of the subject will desperately struggle to create memories where none exist..."" - Barriers to Trans-Dimensional Travel, - R. Lutece, 1889