Well it is because you are new that you don’t understand people pay this because credits can be earned for free and many also sell stuff they no longer need or want for credits so essentially they are trading stuff they can’t use for gift cards to get things they can therefore people are still willing to pay these prices. Also, no seller is going to sell these to you at the exact exchange rate because there are also fees associated with posting and so sellers will not take a loss for anyone’s benefit otherwise what is the point of listing.