But seriously, is it as bad as you think? Seasonal events will get you a tonne of cash quickly. There are lots of people on here that can help you to get the cars you need fast. You'll swiftly plough through the A-Spec races with no bother...
I don't think it's a tragedy - it not like you've lost your racing skills or anything.
That happened to me before. Luckily, I was a paranoid player before and backed up my data for a whole month straight. I got set back about half a year of data, but it's all good.