I am giving credit and I think it is a nice gesture.
I agree, we do not HAVE to nor should we be forced doing it so I do it because I want to do it and it makes me feel more comfortable plus that way others who might like a character or item I used in a picture can find the Merchant straight away.

I would not dare pointing my finger at anyone who does not give credit because we do not have to do it and that is totally fine too.