I don't think PD did the math correctly on the price structor of the credits in the game. People in the world may make 20 to 50 usd per hour but after you factor in living expenses there disposable income per hour is only a few dollars in most cases. (i'm pulling all the following out of my rear end but will real world context and experience)
Lets say you make $35 usd per hour, that's a nice $4,200 month. ya?
State a federal taxes and SSI are on average 30% combined off your check.
Taxes = $1,260
so Now your at $2,940 USD take home
Retirement lets say you have 5% taken after taxes so you don't have to pay later.
minus $147 USD per month.
Insurance for a single person is normally about $150 a month for medical dental and vision.
So this means your very nice $4,200 a month income is a take home of $2,643 per month.
Rent lets say your in average C.O.L part of the country and in a SO-SO part of town so rent on your single bedroom place is $500 a month
Internet is $55 (after taxes and fee's)
tv is $95 a month
food is $200 a month (you like to eat healthy)
Car payment $250
car insurance $75
School loans and CC debit $1000 a month
So your disposable income per month is $461 USD.
so that factors at a rate of $3.84 per hour earned that you can spend how ever you want.
Obliviously these numbers are different person so that disposable income is going to be different for each person.
How this breaks down to the buying money in the game;
500,000 cr for $4.99 USD so 1.299 hours of work or 4 races 24 minutes 0.4 hours (see below)
1 mil cr for $9.99 USD so 2.601 hours of work or 8 races 48 minutes 0.8 hours
2.5 mil cr for $19.99 USD so 5.205 hours of work 18 races 108 minutes 1.8 hours
7 mil cr for $49.99 USD so 13.018 hours of work 50 races 300 minutes 5 hours
lets say you farm credits using like the wind on SSRX
1st place 140,400 cr for 4 minutes of track time plus 2 minutes of menu/load time so 6 minutes per race
1.44 mil cr per hour earned.
I think oncce PD relises this face that we can earn more than double the rate of credits we can buy for, one of two things will happen, the payouts will go down. (i hope not) or they will significantly reduce the price of credits.