Being able to hire a driver in exchange for credit rewards reduction like the old games.
A. The Stig would take a lot of credits, but get results.
B. Joe Street would jump in for fraction of the cost, but you might need to get down on your knees and hope.
C. In-between drivers for their experience accordingly.
This should help people who want to collect cars but get tired from real life challenges.
They do have an auto drive. It’s not that good but like you said low difficulty and place him near the front of the pack and he usually wins I might have to get him there first and then let him cruise the rest of the way. Since he’s not smart enough to pass freely or avoid collisions 
just figured I’d mention it.