The only thing I can recommend is to keep trying. Also, if you are driving with an Automatic transmission and other assists, start learning how to drive without them - they make a world of difference, especially a Manual transmission.
Additionally, you should look into tuning your cars some, if you haven't already. Please note that by tuning, I mean actually configuring them, not just buying the highest end parts in every category (in fact, maxing everything can be detrimental to many cars). For example, the NASCAR series (specifically Daytona) uses a wide range of tuning options. Linked below is an example of a great tune that I used to help me get by the last race; the other races require a different tune, so don't use this for the street tracks in the series - you will ruin your tires and not be able to corner properly.
https://www.gtplanet.net/forum/showthread.php?p=4344138#post4301390
That being said - yes this game is worth it. I've hit many stumbling blocks so far, and got quite disheartened many times. When you overcome the challenges though, it is one of the best feelings in the world. It is easy to get caught up on what people on the forums say. Many of them tell how "easy" things are and generally try and act like the top dog. For the most part don't listen to them. Some of the stuff is easier, but many of us have been playing racing games for well over a decade - you can't expect to wake up and have it all down one day.

The other guys are just trying to look good to preserve their own eReputation.

Enjoy this game at your own pace and, most importantly, have fun. If you aren't getting golds, that is alright - we aren't going to knock down your door and take your copy of the game.