I'm in, too. I'm really dissapointed about this million credit limit. For example, I bought a Jag XJ13 race car for the historic race, then won a second one after completing the Indy 500. Why shouldn't I be able to trade it with someone who has an equivalent car I don't have, such as the Ferrari 330? I worked my butt off early in the game to buy a Veyron, then ended up winning a second of them! Unless you know every prize, and plan every purchase that far in advance (which makes it not a game, then, right?), you end up with expensive duplicates. And apparently no way (I know of) of obtaining certain cars.
Some say GT5 isn't a collecting/trading game. Well, when Polyphony gives us over 1,000 cars, and then gives us a special trophy for having them all, well, then YES, GT5 IS a collecting/trading game.
One of the great things about GT5 is that it appeals to so many, and gives us so many types of enjoyment, from arcade racing, to gt life, to b-spec, to on-line, to museum card collecting, etc. And YES, it IS a collecting/trading game. When we're given Fiat 500's and half a dozen almost identical Miata's, most of which will /never/ be used in a race, it is very much a collecting/trading game.
I've completed B-spec to Level 40, gotting gold in every race and enduro, completed A-spec to Level 30, again with gold in every race except enduros, which I only completed Indy (just can't rationalize sitting there that long for the others), GT5 says I'm 95% complete. So, all that was left for me in the game was accumulating, viewing, modding and driving more cars, especially, well, special ones. That's pretty much taken away from me now. So, guess I'm 100% complete with the game.
In any event, with so many ways to enjoy GT5, which should Polyphony limit our enjoyment in ways that don't hurt others???