It's simple, really.
The way your online career works is exactly like a career in real life - full of cutthroats, degenerates, and people wanting the almighty dollar. For this reason specifically, that's why Crews are going to come in handy (especially when planning a heist). If you want to make it rich, you'll have to have a crew/friends that are willing to help you or you're willing to help them. If you get screwed over on your cut, oh well - that's life, and that's when you have two choices: Go after them, or let them be and remain a lowlife bum.
The game is using a form of Social Darwinism (the strong survive, and weak dies), and that is what it will boil down to eventually. Intelligent people who know how to work the stock market will thrive from that, while strategists will thrive from heist planning. There's a plethora of ways one can succeed and fail in their online career. All I can simply say is this: Respect is earned, not given. It's fair game out there like it is in real life. Anarchy, chaos, and lawful/chaotic evil will be running rampart.