Disagree totally. My enjoyment comes from buying cars, tuning them up, painting them, trying out different wheels and aero kits, test driving them on track and making tweaks.
For this I need credits.
What I don't enjoy is playing the same old races for two hours straight just to get enough money to buy a stage 3 turbo.
Now, I've got a garage of 200 high end cars, 50m credits and now I can choose whether to spend time my time tuning them, customising them, going in to photo mode, playing my mate at 2 player split screen using race cars, etc etc.
Now the game has opened up!
Plus, I've still got 70% of the game left to complete and that's before all the seasonal races and the DLC comes on to the scene.