It is a bad efficiency play. Efficency is all about aconomy, but it is not the only factor in a game. If you read closer the text on tactical skill you will probably begin to see what the difference is.
Clicking for credits can be the best move in many situations, but it is detrimental for your long-term economy. You will have to determine if you could avoid coming into that situation in the first place, and weigh that against other factors in the game.
Dave is a very good tactical player, a good sign of one of those is that they know when to break off 'programmed' behaviour (strategic/efficiency) to take certain actions.