I have tried to get to most games, home and away, ever since I was able to build up my credits.
Two broken-down trains and a bad jam on the M6 have been the reasons for me missing three games. On those three occasions, the delays were over 3 hours, so I missed the whole game. (There are numerous other times where the same reasons have made me miss kick-off.)
I was angry enough that I'd spent hours in the bulk sales getting match tickets, lost money on those tickets and train fares and, in the case of evening games, a hotel, and was missing the whole game.
If I was to lose my credit as well, I'd be absolutely furious.
A policy to take credits off people who've made every effort to attend but circumstances prevented it, is not fair. I can't help but suspect this is being driven by some who think that tickets shouldn't go to people who don't live, or no longer live, close to Liverpool.
If the club go ahead with this credits sanction, then it should be on a three-strikes rule, i.e. you only lose credits if you miss 3+ games per season for which you had a ticket. And, it would be imperative then that members' tickets do not go on sale until match dates/times have been confirmed so that buyers cannot use changes as an excuse.
I've also missed a few games due to illness. You only need to miss six home games in a season to risk missing out on guaranteed tickets in the members' sales. (Of couse, Cat C games are not guaranteed at all, and, as we've seen before, that 13/14 credit cut-off for the guaranteed sale can shift and could move again.)
As you get older, longer-term bouts of ill health become a possibility for any of us; members with years of loyal attendance could find that a bad year means they are no longer able to get any tickets at all, even when recovered. Meanwhile, season ticket holders can pick and choose when they go, passing on unwanted matches to "friends" and family, and it seems will continue to be able to do so even if the long-awaited amnesty actually happens.