I use Hagerty to insure my Celica GT4 IRL. When I started my full-coverage policy I was under 25, had one moving violation on my record, set up a 5000 mile annual limit (which is high for collector policies), had no garage and could only park in the driveway, added the drivers club subscription, and am a young male.
With all these factors stacked against me, my policy is only ~$270 a month, but with a cheaper car (Kei car would be a great example), lower mileage allotment, me being older, and with no ticket on my record, I could probably easily get a policy for under 75, maybe even 50/month.
The drivers club subscription is only $45 annually. The MTX price for
one car is literally more than what you could be paying Hagerty for a monthly insurance payment, or
more than four times the price of their driver’s club subscription. It’s absurd.
I’m someone who actually thinks the matching in game prices to that of real world car prices is cool and immersive, but the in-game economy needs to make those prices attainable. Whatever PD has done in GT7 is psychotic and sad. There are plenty of ways to make legend cars or their equivalent credits attainable, and they’ve taken every approach possible to make them unattainable with gameplay.
- Extreme challenges/championships/missions with extreme payouts
- Rewarding a legendary car for an extreme challenge or major completion milestone (25/50/75/100%, etc)
- Having good end game events that have either very strict entry requirements, significantly longer length, extra strong AI (even if it’s artificial/rubber banded), or all of the above that have actual rewards and not pennies for their payouts
All of these are possible as we’ve seen this implemented to some extent in campaign/missions or custom race options. It’s literally just throwing some UI together. You’re blind if you think this wasn’t a design decision to encourage purchasing of microtransactions.
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Also, side note, metacritic user score has GT7 only 5 spots away from being on the final page of their entire catalogue of games in their system. The majority of that last page is recent EA sports games, or other notorious titles from publishers like Ubisoft or Activision, all of which were grossly impacted by greedy MTX and are almost universally hated. This had better be a wake up call.