Forming an alliance shouldn't be something that new nations would be able to pull-off.
A credit would sound like a good deterrent, but then again, I find nation scores to be more fitting in terms of limiting new players from recklessly spending a ton of ingame money around just to form an alliance and vanish forever ( or return as a "smarter" pw player).
This would solve the problem within alliances (especially micros that give loans, idk why) from having members that conceive the idea of being "the man" and form a ridiculous amount of inactive one-man alliances.
That being said, this is just my opinion and idgaf about what new players do.
I mean, we've experienced being one, what's with the ruckus?