May be I am in the minority here but I actually like how the reward work now. I found that in Forza 4, I would end up with cars reward that I don't care for or will never drive. I like that affinity would just give you cash so you can spend how you see fit.
Seriously, my only beef with this game is the lack of tracks. The driving is awesome. I am thinking how about instead of Forza 6, they just keep adding contents to this one.
I agree, what I hated was that they would give you free cars after a level up. As a more hardcore gamer, I kinda lost value in those cars. I can understand that they wanted to make it more "friendly" for more casual racers. I would have rather that they give money from the start instead of driver level 50 or whatever it was.