no, but it does dictate how many hours of gaming are required in order to earn enough credits to buy a given car. are you suggesting that there isn't a line that could be crossed by PD where it IS unfairly set up? because unless that's your position, what we're dealing with here is differing opinions on just how much time it should take to basically get to use the full game we all paid for. personally, i don't think I should have to put hundreds of hours into a game in order to be able to use all of its content. I also don't think it makes much sense for the game to be set up so that only unemployed people or those who don't need sleep can actually acquire most or all of the cars in less than a couple years...
My position is pretty much the same as it always has been. Payouts from all game modes should offer rewards in the same range of Credits per Second (15 - 370 based on GT League)... other than that, I don't have a problem with the set up. I have also stated I think 20 million is (or at least was) too much - however as the game has expanded I think it's becoming more reasonable - the opportunity to buy a 20,000,000 car is effectively a reward for completing the GT League and Arcade races.
Where PD decide to set the bar is up to them, they've clearly decided that certain cars should be very difficult to obtain. The price of those cars is simply a reflection of this. The game gives everyone the same opportunity to do this, which is fundamentally fair.
But, as I understand, you play occasionally, don't grind, and amazes you that it would take years to buy every single car in the game... that's cute
Personally I go through phases of playing the game a lot, and not touching it. And no, I don't grind. I bought a 20 million car mostly using the rubber-band technique, which was a choice. I've earned 83,170,484 credits in 278 days accessing the game. Knock off that 20 mill and I've still effectively earned over 60,000,000 through normal play*. My average time per session is about the same as the OP's, so the difference comes from the fact I play more than twice as often.
*There's been quite a few smaller rubber band sessions during time spent creating decals, but given how small the payouts actually are in terms of Cr/Sec, I doubt they've added up to much.
And you say it like people having things like jobs to attend to is a laughable excuse for them not bothering to grind their arse out in a virtual piece of software they paid money for. What's your point?
My point was the sentence you didn't quote. The game doesn't dictate what amount of time people have to play - simple as that. I'm an adult male with a sensible work life balance (most of the time), and I've accrued the amounts stated above, I didn't say anything about it being laughable.
Ultimately, as I've tried arguing time and time again, it boils down to this: why do you (and when I say "you", I mean the both of you) play video games in the first place? In what way does playing a video game satisfy you? What makes video games a worthy use of time for you?
Fundamentally, enjoyment. If I don't enjoy something I don't play it. If, after researching it, I don't think I'll enjoy something, I don't buy it - for example, I didn't buy GT Sport at release because I don't enjoy online gaming.
The satisfaction element is more complex, in GTS specifically, essentially it's about doing something well, be it livery, lap time or finishing position. I would say that satisfaction isn't necessarily required for enjoyment. A game like RDR2 doesn't offer me any satisfaction, but it's enjoyable because of the story element and how immersive it is - IOM TT is only about satisfaction, the only thing that matters to me in that game is my lap time, on one course, on one bike.
As for what makes it worthy of my time, if I enjoy it - does it entertain, does it interest, does it satisfy, does it offer any longevity, do I learn from it?
), but I do think 15-20m for a car is pushing it. 
