Yes you are. You're trying to do exactly that by claiming their offers of MT are not as in your face as other games, as if that somehow makes them better.I'm not justifying or excusing a damn thing
The button is not subtle, it's very easy to see, especially when you haven't enough credits. It even pops up when you're gaining credits, a constant little reminder that it's there, all the time.
You're also still ignoring all the other things the game does to push you towards them, beyond the simple pop-up when buying a car. You have the limited time invitations, you have cars that can only be bought for a week at a time, every 2-5 months. You
These are all designed in some way to tempt you into buying them, yes. That's what all MTs do, they tempt you in some way by making them desirable vs time/energy doing it another way. But just because one game tempts you a bit harder doesn't make one that is less in your face any better. They're all bad, GT doesn't get a pass just because it doesn't have flashing lights around the button and pop-ups reminding you about them.