Rivals and other challenges should be more XP based rather than CR based, what you think

Hi there lads, its my first post here and I hope you all having a great weekend.

So, in my view I think rivals and some other challenges should be more XP based rather than CR based. From top of my head I xan only recall rivals that only give CR bonus. The thing is, I have no reason to do Rivals, because I have more credits than I can think of to do with it, and I think many people here are in the same boat, I sit comfortably over 30million credits, and I been lurking around here reading bits and bobs, and what I find that a lot of people struggle here with credits, I dont understand how, mind you I havent been farming the credits at all, its all that from honest play, and people who struggle with it, just fatm it, what I struggle with is XP, wanting to reach that level 1000 soon, now Im sitting on level 653 I think, and its pain to level up now, without farming of course, with farming I could of hit level 1000 within 2 weeks, but wheres the fun in that?