lolwut? Did you play for longer than 5 minutes? Buying insurance for your car is cheap as

, you'll probably have enough money after just 1 job (Plus I think if you order cars off the website they automatically come with insurance). And if another player destroys your car, they have to pay the "restoration fee", not you. The only times you'll have to pay is if the cops or other NPCs destroy your car (uncommon, depends on how much you like throwing explosives) or if you're a dumbass like me and destroy your own car
by driving it into the river...
Other than that though, your complaints about everything being overpriced is accurate. They definitely do want you to buy shark cards. Especially with the newer stuff, it can take days of grinding to buy the new "toy" whatever it is. But then again, you don't "have" to have it. The only things you really "need" are an apartment so you can start heists, and the Armored (bulletproof) Kuruma to faceroll through most of the missions. Everything else is icing on the cake and it's great if you have it, but not a big deal if you don't. I don't own any tanks, or planes or helicopters and I can still complete all the missions and have fun doing it.
Having said all that, I've actually been playing a lot of GTA online recently (with the new gunrunning update). If anyone wants to play, add me on
steam or
rockstar. Also a few tips for new players. If you want money, open up your cellphone, go to "quick jobs" and do "contact missions". Those are usually relatively easy (read: can be done with random pugs) and pay out anywhere from $10k to $20k. Heists should only be done with people you know or trust, doing it with randoms is a nightmare.
Also inb4 Blade
"gta is for 13 yr old loser wannabe-criminals who go around running over prostitutes lolol"