That’s a good way to put it. A lot of the fun is the “chase” of earning a special rare car. If everything is $500k it’s looking basically confirmed that I will be able to buy anything within 1 or 2 long races. 
I’m practically begging T10 at this point to have a payout/car price difficulty scaler because no way this game will last me until the next MotorSport when they make it this easy to buy whatever I want.