There is little incentive to play as a sim, i.e. there is no damage, no penalties for cutting, no penalties for crashing etc, hardly any restriction so you can blast the opposition with upgrades.
Therefore, you need to try and impose your own boundries, by trying to race clean, and trying to win with a car of a reasonable level.
But I do agree that some of the strange design and technical choices by the dev team make doing, what should be some of the simplest things, a chore, like buying a number of used cars for example, that is needlessly drawn out and painfull.
I hope the dev team continue to improve the game in the near future, because at present, I think the longevity of the title is in question, especially if you need to grind, and grind to get to a level that finally makes the game a challenge.