I was just about to post this. I don't usually like Jim's stuff but I think he gets several points across well in this video.
Basically the whole career mode is geared around opening a lootboxes to get items that enable you to earn more credits in order to get another loot box ∞
People saying "oh well I'm having no problem getting credits" are failing to realise that it's because they are trapped in the system exactly as they intended you to be. The moment you loop out and stop opening the loot boxes is the moment credits start becoming harder to come by. That's bullshit. Especially considering they took away the risk/reward bonus system (with the assists) that enabled you to earn more credits simply through pushing yourself and by getting better at the game (as it should be!).
Sure, you can earn decent credits by doing longer races and by increasing the difficulty up to one of the top two options but not everybody has the skill or the time (or both) to do that, and they know it.
In this system nobody wins.
And that's not even getting into the whole driver gear rubbish which is entirely pointless and only exists to sell lootboxes/microtransactions. Oh and there happens to be an achievement attached to them as well.
I earn 100,000CR a race and clicking Quick Mod.
Also, you dont use Mods to change time of day.
Thats true...sadly.
I've got one that can turn a day race into a night race sitting in my current mods list.