Only All Access can buy those bags of alternate currency. F2P and Silver cannot buy any of the alternate currency from loyalty vendor.
You will also notice a difference in how many loyalty tokens the 3 accounts accumulate. All Access get 120/week
F2P get 30/week
Silver can get anywhere between the 30 and the 120. No set way to tell what you wind up with on them
Max total is 5760 for All Access and 1440 on F2P and the Silver again, can be either. So you have to spend when you get close to that or you will not gain anymore. It does not award partial amounts.
A fairly good option at 75 is to start SoD (Oceangreen Hills). You get Paragon gear as rewards, it is about 900hp/slot, and quite a lot of quests are rather easy and other gear drops there too. And there is a huge aug you can make from all the quests too.
Or if you really want to dive into it there are TBM (the broken mirror) where you earn remnants of tranquility and can upgrade many levels (up to level 100 ?) just with those. You get so many per mission and you can buy the remnants from other players and in the baz if anyone is offering them for sale. I run a trader and sell them at 20 plat each.