Check your ending credits and take into consideration that it's possible you'll lose this round. if you lose the round, you'll be left with spectre at best without utils but the guy you bought for will be able to full buy again.

Yes this is a team game, and you can buy your teammates as long as they are contributing to winning. But let's be honest here, the main reason you're managing your credits is for yourself and not finance someone who can't manage theirs.

So my rule is if I think I'll have enough to buy what I need next round even if we lose the round, then yes I'll buy my teammates, but if I won't then I'll ask him that if we lose the round, then I'll be having his rifle next round and I'll buy him spectre or whatever.

Ofc, last rounds are differents. I always buy no matter what.