Yeah, fair call. But you know how tight MS are with USB devices and hacking etc. Don't encrypt that stuff, there's another potential hole that they'd be worried about. The PGR4 thing was done prior to regular USB devices being allowed for use as memory, same with FM3/4. I'm surprised no-one has come up with a decrypter, given you can do pretty much everything else with exe hack files to modify money/levelIn his case, he's not hosting it anywhere, he's put it on a USB drive to transfer it.
Its definitely done to encourage people to buy Gold and I dont see anything wrong with that, to be honest.
PS. Hertz, that's just outstanding... you have an amazing knack for creating a livery that actually looks like a legitimate real-world vibe. Just like that guy who did the Takata WRX in FM3 (or FM2?). Wait... that wasn't you, was it?