Couple of hypothetical questions
1) How motivated does the game make you to buy loot crates?.
2) Do find yourself opting to buy a loot crate instead of a car?.
1) almost no motivation
2) never, I'll spend 20k cr to add some mods now and then but I'm getting my cars first.
3) a day down the road, many months from now, when I feel like I have way more credits than I need to spend on any cars that I am still interested in I will probably enjoy blowing it all on loot boxes for the hell of it. until then I see no issue.