I don’t know if 9,999,999 credits transferred over when I started playing ME2 a couple weeks ago, since I wasn’t paying too much attention to that, but I’m sure I had max credits in ME1 when I completed it.
As of right now, I’m almost done with ME2 and am fairly certain the transfer cap was 999,999 - not 9,999,999. If the latter were correct, I wouldn’t just have about 600,000 credits right now, I’d have significantly more - millions more.
*spoilers ahead*
Either way, it’s kind of a * move. They hide behind it being the “same as the original release,” but it was a * move back then, too. The series is challenging enough if you play it on the harder difficulties, and the RPG elements, upgrading system, and gameplay mechanics make grinding a necessity, which takes significant time investment. There’s no need to add a money grind to the mix. It doesn’t make sense within the theme of the series, either. Shepard is brought back to life by Cerberus, who spent BILLIONS of credits on project Lazarus, but can’t spare 999,999 credits as funding for his mission? No one within the project planned that far ahead? Shepard’s bank <literally> took 99% of his earned money? It doesn’t make any sense. Plus it’s counterproductive, since it forces players to spend more time gathering money rather than paying attention to the awesome universe BioWare designed. I mean, hell, even probing for resources you’ll come across intriguing planetary codex entries. The same can’t be said for scanning a datapad or bypassing a safe.
At this point, with the series being a remaster, they should be focusing on bringing new players to the community and revitalizing the Mass Effect name. Making the whole grind from ME1 almost entirely irrelevant isn’t a good way to do that. It never was.
I agree with making the transfer cap 500,000, or at least 250,000. But 100,000 is a joke.