I did read that. It changes nothing. You refused a duel of honor. A duel for profit is not a duel of honor. I would consider this extremely ignoble behavior. After such a display as Creed exhibited in the University, I would almost certainly demand that such a person be banned from Astrum.
The point still remains: all the insults, challenges, and refusals were public. So far as anyone knows, that's all that's happened.
A duel for honor yes but my honor was never insulted. So why should I duel to the death for nothing? Also the way I play my character is my choice and who are you to tell me how to play?