Do you play single player? Because then you have to modify cars in order to keep them competitive. What difficulty do you play at?
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I play at comfortable difficulty level 5, and I usually donât upgrade cars (except for race anti-roll bars, differential, and sometimes suspension if I donât enjoy the default handling) because I like them stock. Fortunately, AI opponents upgrade their cars between races and force me to do the same only in a handful of events 
None because both are pointless and donât need to exist.
Credits have been there since Motorsport 1 and theyâre most likely not going anywhere. But believe me, I see what you mean, and with the hilarious car prices in FM, I do see how things would work without either.
I submit credits werenât any more useful in FM1. My thesis is plainly that these racing games donât need to introduce capitalism.
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So you basically want Assetto Corsa with upgrades and tuning. I respect that