Have you done the seasonal races? They pay out crazy money. You can make 3 or 4 million easily without having to grind for one minute. And...I haven't even looked at B-Spec.
Remember you get the Multi-millionaire trophy at 10M. I'm at about 8.5M and should get to 10M this weekend. Then I'm gonna make it rain! Then I'll start collecting up again. Hopefully PD patches the cap to at least 30-50M
I have not. I tried one that was ending on the 5th, the FF challenge. Ran my Daihatsu OFC and found that I was like 196,000th or something like that. Planned to go back with the Focus ST but never got around to it. Just been trying to train my drivers (up to 3 now) and get through the events I don't like (anything that requires a standard car or cars I don't care about), and in between working on the special events.
I'll have to check them out if they really pay that much, but if it's a competiton between a million players I suspect I wont' end up with much from it.
I have just under 5.5M in GT4 with only like 65% complete (forgot and surprised that it was so low), and honestly, I was totally bored with it, had everything I cared about, and felt like I had unlimited funds.
Granted, there are some 10Mcr cars in GT5, but not too many. I don't see the point in having a cap, but I also don't see the point in rasing it either if it is set at 20M. That's insane amounts. Spend it, enjoy it, and if you have nothing to spend it on.... why bother getting more?