I bought a disc copy, and can't quite bring myself to sell it, but probably should. The game is just stupid. Time trialling to test builds/tunes of cars pays out ZERO credits. But buying just one normal car and the upgrades is typically going to be, say, 300k - 600k credits. So you do, for example, the Pan-Am championship 3 times, taking about an hour, to get the credits to buy one car and its upgrades so you can get on with doing the thing you actually want to do. What is the point. I have done that championship about 20 times now, and am totally and utterly bored with it. It's the most stupid game concept ever. Microtransactions? I'm sorry, but while I'd like to have all the cars and upgrades to be able to actually start playing the game, I'm not paying thousands of pounds, the game is not tens of times better than every other game in the world.
I think I'll stop bothering even running it up once a day for the trash lottery tickets. I recorded everything I got from them for 2 weeks. Came to 8.6m per year, there are individual cars in the game that cost more than you get for running the game up every single day for a year and driving enough to get the ticket.
What is it about driving games that makes game makers want to adopt this stupid model? I can play Age of Empires, or Rocket League, for example, and I know it's a novel concept, but everything you need to play those games is available to you from the start! Amazing, you just install it, run it up, and start playing the game!