I would like to see the locks on rFactor2 removed getting rid of the monies and experience points along with the fines. Some Modders still include them and it's just kind of a pain to have to edit my user data to remove these restrictions and to me it just adds an arcade concept to the game!!!
You could just use the cheat, some of us modders use it for a reason. I for one am employing it at great lengths in my current mod. If you don't like it just load a track and enter ISI_BABYFACTORY to get a tonne of cash and all the cars in that series unlocked and in your possession.