When I first got online, I was put into the first race, upon completion I was told to go to the store and get some clothes. Once I left the store I was met with a bunch of info/tool tips. So I sat in front of the store and read them, while I was distracted reading, a guy rolled up, got out of his car, and lit me up with an SMG.
Woot! I lost $2,000 for reading the info on the screen!!
I now stay to Invite Only/ Solo Play. The part that sucks about it is that it feels like single player with the addition of queuing for silly random "missions" to play with others.